The trouble is that no one stays in the same job forever these days; a ‘job for life’ was something our grandparents had.
If you’ve got several pension pots, you may get a better deal when you start drawing retirement benefits if you combine them. There are rules that may allow you to take small pots as a lump sum, part of which will be taxed.
It can be difficult to keep track of a number of smaller pots and payments and remember that different rules apply to defined benefit schemes – if ever there was a time to make sure you have expert advice it has to be when you are sorting out your pension.