How to Consolidate a Viva Pension Scheme

Growth rates you can get that guarantees as well. Chemicals and loads of those for old occupational schemes. Like minimum 4% growth per year, no matter what the markets do. So this is the stuff you have to know. Important to check the charging structure of all your current schemes too. And if after doing all that, you're happy, then consolidate the flipping thing. Just do it.