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Pension consolidation involves bringing all of your separate pension plans together and combining them into one single pension pot.
Consolidating your pensions into one pension wrapper can make keeping track of your pensions savings more easy, you can keep a closer eye on the value of your savings and it could also potentially reduce the amount of management fees you are paying.
Neil Adams Generally speaking, the easiest pensions to consolidate are defined contribution pensions, with stakeholder pensions being particularly easy to merge.
This is because stakeholder pensions have fairly simple charging structures and a limited fund range.
An independent financial adviser (IFA) will be able to help you assess if you should consolidate your pension pots, whether they should all be consolidated and if the adviser can even undertake the consolidation on your behalf.