Review Your Pension
Open the statement you have been postponing and work out what your future income is currently on course to look like. A pension review connects contributions, fees, investment choices and retirement plans instead of leaving them as separate pieces of paperwork. Check that employer contributions are arriving, beneficiary details are current and old schemes have not been forgotten. Defined contribution investments can rise or fall, and transferring or changing funds can remove valuable benefits, so a review is not an instruction to move everything. Gather statements, check your State Pension forecast and use free impartial guidance when terminology becomes unclear. Consider regulated financial advice before irreversible decisions. Add this to your list for an annual check that gives long-term plans a current set of numbers.