Career moves, redundancies and job hopping can result in a collection of pensions - it's not unusual to come across people with more than five to their name. As retirement approaches, there comes a pressing need to look more closely at the collection and make the necessary adjustments.
Congratulations! You have won the competition and the first prize is an inflation-linked income of £10,000 every year for the rest of your life. However, if you prefer, you can also elect to receive a one-off lump sum instead.