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Transferring from one pension scheme need not be a hassle and if you are in a stakeholder style pension currently there shouldnt be any penalties in transferring pension schemes. The majority of people transfer pensions when they change jobs and the company has a pension plan, before you leave your job talk to the company accountant to see if you can continue your pension with the same pension company or if you must transfer pension schemes to your new employeer's pension scheme. Most company pension schemes allow past employees to continue their pesnion without the employer putting any money or company bonuses into your pension fund, so that at the time of your retirement you could have more than one pension to help keep you comfortable in your golden years.

There may be fairly stiff transfer charges if you are transferring from a group personal pension scheme in which you have a personal pension (linked to other employees in the same company) and you should seek professional pension advice in this case. Each pension case is slightly different so an experienced pension advisor will be able to tell you if it is worthwhile transferring pension schemes and how to avoid pension transfer charges.

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