"The best performing pension could produce more than three times more pension income than the worst performing one. The really bad news is that your pension fund is more likely to be amongst the bad than the good" The Observer
Assessing or advising upon benefits within a previous employer’s pension scheme can be a minefield at the best of times.
Expertise and experience is essential, but never more so than for expatriates who might not even know how or where to contact their previous scheme (which might well have been closed, wound-up, taken over or simply merged with other schemes) let alone how to assess whether a transfer might be beneficial.
The Pensions Office can help find all your pension scheme entitlements (using the free Government-backed Pension Tracing Agency) and then give advice to meet your current and/or future circumstances. If you also have entitlement to state pension benefits, and perhaps even personal pension funds then your requirements become even more complex, so...