When you leave a job, you may be able to leave your pension in the former employer’s scheme, transfer it to your new employer’s scheme or move it to another pension arrangement, depending on the scheme rules and your circumstances. Consolidating can make your pensions easier to track, but you should compare charges, investment choices, benefits and any guarantees before transferring. Some transfers may affect valuable benefits or have tax and legal implications, so do not assume combining pensions is automatically better. Check the details with both providers and consider guidance from a regulated pensions adviser; the Pensions Authority and Revenue can provide further information.