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Should you transfer your final salary pension? For most people, the honest answer is no. A final salary pension isn’t a pot of money. It’s a promise. ✔️ Guaranteed income for life ✔️ Inflation protection ✔️ Often a spouse’s pension ✔️ No investment risk ✔️ Protection against living longer than expected What I see far too often is people focusing on the transfer value — and not fully understanding what they’re giving up in return. Once those guarantees are gone, they’re gone. And very few people
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