Footpath Financial Limited is a firm of Independent Financial Advisers . Based in Farnham and Crowthorne we serve the Guildford, Hindhead, Alton, Farnborough and Basingstoke areas.

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If you have accumulated pensions from previous employers over the years, it's worthwhile asking yourself a few simple questions about them:

• Are they still performing well against their benchmark?

• What level of exposure to stock market risk am I taking with my money?

• Are the charges high on the scheme/s?

• What type of fund is my money invested in, and is this fund the right type for me?

• Are they in a properly diversified portfolio?

The truth is that most people aren't able to answer these questions.

This is a shame, because while you may not be able to access the money yet, it is still your money! It should be properly managed like any other investment.

Even if you are no longer contributing to the fund, it is worthwhile checking that the funds are invested in line with your needs; because the growth rate you achieve will be a key factor when it's time to draw an income from the fund in your retirement.

What can be done about it?

We can answer all the questions above for you, by analysing your existing pension fund and reviewing your objectives with you.

We may then either advise you that your pension funds are fine where they are, or we may recommend switching one or more of them into a new consolidated fund (perhaps hosted on the investment fund platform we use, along with your other investments). Either way you will have some extra peace of mind.