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    Pension Transfer

    If you change jobs and leave a company pension scheme, you can transfer your deferred pension (or accrued benefits) from your ex-employer scheme into a personal pension, Section 32 Buyout or your new employer’s scheme. This is known as a pension transfer. To establish how much money is in the deferred pension fund (or the accrued benefits) the scheme provider will need to calculate its transfer value. When considering a pension transfer, individuals should get financial advice as it is not always advisable to do a pension transfer.