Advice on ‘Frozen Pension’ schemes
When you leave an employer you often leave your employer’s Pension Scheme too and start a fresh one with a new employer – the scheme left dormant is often referred to as a ‘Frozen Pension Scheme’. In fact Frozen Pensions are not really frozen at all, they can be transferred, restarted or perhaps accessed at any time.
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Many ‘Frozen Pensions’ have been contributed into for perhaps 10 or 20 years and therefore will form an integral part of your retirement fund, it’s for that reason they should not be treated lightly or forgotten about. So often our advisers hear from customers that they wished they had taken professional advice much earlier and had not let their old, under performing, schemes literally wither away with sometimes excessive charges being applied by the provider without the knowledge of the policy holder.
Planning for retirement is one of the most important single decisions you will ever make in your life. Your retirement date may be near or some time in the future, either way it is vital to source reliable, honest advice from a reputable Independent Financial Adviser to guide you through the raft of choices available.
Here are some typical queries our advisers hear almost every day:
- How well is my Frozen Pension performing?
- Could I get better growth with another scheme?
- Should I move my plan?
- How do I consolidate my Frozen Pensions?
- Can I access my Frozen Pension now?
- What are my options?
Don’t leave your retirement plans to chance, make the right choices now so that you can look forward to a more comfortable retirement.
For honest, straight-talking advice call Scottish Pensions for a free Consultation on 0141 340 9780 or simply complete our Enquiry Form and a member of our team will call you back at a time that suits you.