Personal Pensions & Pension Management
A complete guide to understanding, reviewing and managing your personal pensions — from identifying what you have and reading your statement, to judging performance, understanding charges, deciding whether to transfer and taking the right level of control.
"Most people arrive knowing they have a pension. Very few arrive knowing what type it is, what it's invested in, what it costs or whether it's doing the job it's supposed to do. Foundation 3 changes that."
Steve — Financial Adviser & Founder
Understand What I've Got
Identify every pension you own, understand what type it is, read your statement and build a complete pension inventory before making any decisions.
Is My Pension Any Good?
Judge whether your pension is performing well, understand what it is invested in, how much risk you are taking, what it costs and whether it contains valuable benefits.
Should I Combine or Transfer?
Understand when combining pensions makes sense, what happens during a transfer, what to check before moving anything and the specialist considerations around defined benefit pensions.
Should I Change What I'm Doing?
Decide whether to increase contributions, understand how pension tax relief works, review whether your investments still make sense and build a regular pension review habit.
Personal Pensions, SIPPs & Taking More Control
Understand when a personal pension adds value alongside a workplace pension, what a SIPP is and whether you need one, how much investment control to take and how to protect your pension from scams.
Test Your Knowledge
Take the Foundation 3 Quiz
10 questions drawn from across all 24 Personal Pensions guides. See how much you have taken in — and find out which areas are worth revisiting.
Want to talk through your pensions?
If you'd like help understanding what you have and how it fits into your retirement plans, speak to Open Door Wealth.