Quote Originally Posted by Sir C View Post
The trouble with pensions is that if you retire and then 3 years later get the bad cance and fall off your perch, the pension company has a great big chuckle and trousers your dosh. (Yours may ahve a widow's pension included, I don't know, I'm riffing here.)

Given the option I'd rather have the cash invested by my chosen broker/IFA so that I have a semblence of control and so the capital remains within my estate when I've gone.
THAT is the main reason i would look to switch.... why should the pension stay with the old company if i peg it and she would get hardly anything??? But the figures look almost too good to be true