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4.6 Transferability of Personal Pensions

  • The Social Security Act 1986 made transferability of pension rights easier.

  • Thus, benefits under personal pension policies may be transferred between personal pension schemes, and to and from occupational pension schemes.

  • The transfer payment will represent the cash value of the individual's fund at the time. Pension providers, however, may impose a penalty on a transfer to recoup expenses. No transfer penalty can be imposed on stakeholder personal pensions.

  • The pension provider making a transfer payment must be satisfied that the payment is being made to an Inland Revenue approved personal or occupational pension arrangement


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