How do I find out whether it would be a good idea to transfer my pension?

This is a complicated question, and you will need to take specialist advice, probably from an actuary. This will probably be expensive but a wrong decision can make a big difference to your eventual pension.

He or she will need to find out your options. Not all schemes will let you transfer in by buying extra years, or they may be very expensive. You may only be able to get a money purchase scheme with your transfer.

You can read more about transferring a pension on the OPAS website or you can download the FSA guide to the risks of occupational pension transfers.