The hard part is not investing strategy, it is that most people do not know what they already have. This finds the old pensions, adds them up honestly against a real target, and then changes exactly one thing — because one change that happens beats a plan that does not.
Free on any plan. You will see this list again in the app, and nothing is created until you press install.
One contribution changed beats a plan that never happens.
Most people cannot name the value of an old pension.
After the arithmetic, not before it.
This is a plan for finding out what you have and reviewing what you pay in. Anything about specific products, transfers or your own circumstances belongs with a regulated adviser.\n\nSome older schemes carry guarantees that are expensive to give up, so consolidating is a decision to take properly rather than by default.
Know what comes in and out, clear what is expensive, and save one specific thing.
One month's costs first, then three — with the transfer automated so it is not a decision.
Learn enough to not need advice, open the account, and automate the boring part.
Every balance written down once, an order to clear them in, and a payment that does not move.
It takes one press. Everything it creates is tagged, so if it turns out not to suit you, it is easy to find and remove together.
Install this template