Since the introduction of stakeholder pensions in April 2001, the government has introduced a 1% charge. However, personal persons set up before this date may not follow the revised 1% charging structure. Some personal pensions also return, on death, the contributions paid to date rather than the current fund value of the pension. Jobs are no longer for life. Career advancement, the prospect of a higher salary elsewhere or redundancy all lead people to change their job - with employees in company pension schemes often leaving behind a substantial pension fund in the hands of their former employer. Whether you have a personal pension, a contracted-out State Second Pension including the previous States Related Pension Scheme (SERPS) or a company pension scheme with a previous employer, why deprive yourself of the options available to you? For further advice and guidance, Click here, with your contact details and the nature of your enquiry. We can help you discover how to potentially reduce your personal pension charges, improve the value paid on death from a personal pension or to maximise the benefits offered by your previous employer's company scheme. The value of investments can go down as well as up and any past performance is not a guide to future returns.