Emma Simon

It can be a consolidation conundrum to know when it makes sense to combine different pension pots, and when you are better off keeping separate accounts. The days of a job — and a pension — for life are long gone. People in the UK now have an average of 11 jobs during their working lives, which can mean a similar number of separate company pension plans, alongside any private savings. This might include personal pensions, stakeholder pensions or SIPPs (self-invested personal pensions).

It can be a consolidation conundrum to know when it makes sense to combine different pension pots, and when you are better off keeping separate accounts. The days of a job — and a pension — for life are long gone.

As a qualified chartered accountant, Leah* is all too aware how tax can eat into the value of people’s savings and investments. When it comes to her own money, she wants to make sure it is invested as tax-efficiently as possible, and this was one of the reasons she opened a SIPP with EQi.

As a qualified chartered accountant, Leah* is all too aware how tax can eat into the value of people’s savings and investments. When it comes to her own money, she wants to make sure it is invested as tax-efficiently as possible, and this was one of the reasons she opened a SIPP with EQi.

Saving for retirement can sometimes seem a daunting task. This situation isn’t helped by the fact that many of us today have a hotch-potch of different pension plans. This is likely to include various company pensions, private pensions and investments, as well as the state pension. It is estimated that the average person has around 11 different jobs throughout their career* and some will have significantly more. Thanks to the Government’s auto-enrolment programme, each time we switch jobs we ar

Saving for retirement can sometimes seem a daunting task. This situation isn’t helped by the fact that many of us today have a hotch-potch of different pension plans. This is likely to include various company pensions, private pensions and investments, as well as the state pension.