Transferring a pension may not be the best option for you. You may lose features, protections, guarantees or other benefits - so make sure you compare products before transferring. It’s up to you to decide if this is the right decision for you. If you’re not sure, speak to a financial adviser - there may be a charge for this. If you don’t already have one, you can find one at MoneyHelper.

A transfer for consolidation purposes is from one capital at risk pension product to another – so the value of your investments after transferring can still fall as well as rise and the final value of your consolidated pension pots when you come to take benefits may be less than paid in.

Any new funds you move your money into will have their own set of risks that will be detailed in the fund information that will be available to you.

How to transfer into your workplace pension:

• Login to your Retiready account. You can activate your account if you haven't done so already.
• Select the pension you want to transfer your money into on your account summary page.
• Select Transfer In below your pension information.
• Read the important information and tick the confirmation box – then select the Start application button.
• Enter the key details of the pension that you want to transfer – complete the information we request and select Transfer.
• Check through your details and confirm the questions at the bottom. Confirm that you've read the important information then select Next.

Your transfer is now in progress. Our team will be in touch if they need anything else from you.