Consolidating pensions

[boyse7en]

I've managed to accrue three separate private pension pots - one is with Legal and General and hasn't been paid into for about 10 years, one is with standard life and is what i am currently paying a chunk of my salary into, the last is the new compulsory pension scheme that has been organised by my employers, which takes a small amount from my wages and adds an even smaller amount from my employer.

Is it worth combining these in to one bigger pension scheme, or are there downsides to having the money all in one place? I'm a standard rate taxpayer, and the pensions are unlikely to be massive by the time i retire

[boyse7en]

As you'll discover, I know little about pensions

Two of them are personal defined contribution pensions that I set up years ago. I pay a set amount into them each month. My employer makes no contributions to them.

I've no idea on the charges levied or any bonuses payable. I don't really know what the money is invested in either.

I do know that when i asked the directors' financial advisor (it a small company and he comes in once every three months or so to talk to them all) he said that his minimum charge would be £750 to look at what I had, plus more if i wanted to actually transfer/move anything.