- How to trace a lost pot
- Consolidating makes a lot of sense in most circumstances
- But keeping one or two small pots can have tax advantages
In an ideal world, you would hold all your pension savings in the same account and run them according to a single investment strategy. Bar that, you would at least be able to track and manage all your pots held with different providers in one place.
However, that's not what happens to most people. Depending on your career trajectory and how diligent you have been so far, you may find yourself with one or even a few small pension pots on top of your main pension fund.