{"id":240,"date":"2018-07-12T08:44:48","date_gmt":"2018-07-12T08:44:48","guid":{"rendered":"http:\/\/pensions.cardiffcouncilwebteam.co.uk\/?page_id=240"},"modified":"2024-04-23T08:50:42","modified_gmt":"2024-04-23T08:50:42","slug":"transferring-your-previous-benefits","status":"publish","type":"page","link":"https:\/\/www.cardiffandvalepensionfund.org.uk\/members\/transferring-your-previous-benefits\/","title":{"rendered":"Transferring Previous Benefits"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text]<\/p>\n<h1>Transferring previous pension benefits<\/h1>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;45&#8243; row_id=&#8221;ulcontent&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]You can choose to transfer your previous pension benefits into the Local Government Pension Scheme (LGPS) from:<\/p>\n<ul>\n<li>a previous LGPS Fund<\/li>\n<li>a previous Employer&#8217;s pension scheme (including overseas schemes)<\/li>\n<li>a self-employed pension plan<\/li>\n<li>a &#8216;buy-out&#8217; policy<\/li>\n<li>a personal pension plan<\/li>\n<li>a registered overseas pension scheme<\/li>\n<li>a stakeholder pension scheme<\/li>\n<li>an Additional Voluntary Contribution (AVC) arrangement<\/li>\n<\/ul>\n<p>It is not possible to transfer a pension credit into LGPS &#8211; a pension credit is a share of an ex-spouse&#8217;s or civil partner&#8217;s pension benefit, from a divorce.<\/p>\n<p>Your application to transfer any previous pension benefits into the LGPS, must be received within 12 months of joining the Scheme. To apply for a transfer, you will need to complete the Transfer Authorisation Form (DOC) <a href=\"https:\/\/www.cardiffandvalepensionfund.org.uk\/wp-content\/uploads\/Transfer-Authorisation-Form-English-22.04.2024.doc\">Transfer Authorisation Form<\/a><i class=\"fa fa-file-word-o\" aria-hidden=\"true\"><\/i> and return it to your Employer&#8217;s HR Team.<\/p>\n<p>Your request to investigate a transfer will not be binding until you have received all the figures and sign the forms to confirm you want the transfer to proceed.<\/p>\n<p>You should give serious consideration before transferring your pension benefits into LGPS, and need to understand if this option will be beneficial to you. You may wish to take Independent Financial Advice before making this decision.[\/vc_column_text][vc_column_text][\/vc_column_text]<div class=\"spacer\" ><\/div>[\/vc_column][vc_column el_class=&#8221;siderow&#8221; animation=&#8221;fade-in-from-right&#8221; width=&#8221;1\/3&#8243;][vc_column_text el_class=&#8221;boxblue&#8221;]<\/p>\n<h3>Pension Tracing Service<\/h3>\n<p>Track down pensions you have with previous employers using the Government <a href=\"https:\/\/www.gov.uk\/find-pension-contact-details\" target=\"_blank\" rel=\"noopener\">Pension Tracing Service <i class=\"fa fa-external-link\"><\/i><\/a>.[\/vc_column_text][vc_column_text el_class=&#8221;boxblue&#8221;]<\/p>\n<h3>Pension Advisory Service<\/h3>\n<p>Government service offering free, impartial guidance, online tools, online chat, telephone helpline, personal apppointments.<\/p>\n<p><a href=\"https:\/\/www.pensionsadvisoryservice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Pension Advisory Service <i class=\"fa fa-external-link\"><\/i><\/a>[\/vc_column_text][vc_column_text el_class=&#8221;boxblue&#8221;]<\/p>\n<h3>Unbiased<\/h3>\n<p>Find <a href=\"https:\/\/www.unbiased.co.uk\/\" target=\"_blank\" rel=\"noopener\">independent Financial Advisors <i class=\"fa fa-external-link\"><\/i><\/a>[\/vc_column_text][vc_column_text el_class=&#8221;boxred&#8221;]<\/p>\n<h3>Got a question?<\/h3>\n<p><a href=\"https:\/\/www.cardiffandvalepensionfund.org.uk\/get-in-touch\/\">Get in touch<\/a> with us.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text] Transferring previous pension benefits [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;45&#8243; row_id=&#8221;ulcontent&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]You can choose to transfer your previous pension benefits into the Local Government Pension Scheme (LGPS) from: a previous LGPS Fund a previous Employer&#8217;s pension scheme (including overseas schemes) a self-employed pension plan a &#8216;buy-out&#8217; policy a personal pension plan a registered overseas pension scheme a stakeholder pension scheme an Additional Voluntary Contribution (AVC) arrangement It is not possible to transfer a pension credit into LGPS &#8211; a pension credit is a share of an ex-spouse&#8217;s or civil partner&#8217;s pension benefit, from a divorce. Your application to transfer any previous pension benefits into the LGPS, must be received within 12 months of joining the Scheme. To apply for a transfer, you will need to complete the Transfer Authorisation Form (DOC) Transfer Authorisation Form and return it to your Employer&#8217;s HR Team. Your request to investigate a transfer will not be binding until you have received all the figures and sign the forms to confirm you want the transfer to proceed. You should give serious consideration before transferring your pension benefits into LGPS, and need to understand if this option will be beneficial to you. You may wish to take Independent Financial [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":131,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Transferring Previous Benefits - Cardiff and Vale Pension Fund<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cardiffandvalepensionfund.org.uk\/members\/transferring-your-previous-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transferring Previous Benefits - Cardiff and Vale Pension Fund\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text] Transferring previous pension benefits [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;45&#8243; row_id=&#8221;ulcontent&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]You can choose to transfer your previous pension benefits into the Local Government Pension Scheme (LGPS) from: a previous LGPS Fund a previous Employer&#8217;s pension scheme (including overseas schemes) a self-employed pension plan a &#8216;buy-out&#8217; policy a personal pension plan a registered overseas pension scheme a stakeholder pension scheme an Additional Voluntary Contribution (AVC) arrangement It is not possible to transfer a pension credit into LGPS &#8211; a pension credit is a share of an ex-spouse&#8217;s or civil partner&#8217;s pension benefit, from a divorce. Your application to transfer any previous pension benefits into the LGPS, must be received within 12 months of joining the Scheme. To apply for a transfer, you will need to complete the Transfer Authorisation Form (DOC) Transfer Authorisation Form and return it to your Employer&#8217;s HR Team. Your request to investigate a transfer will not be binding until you have received all the figures and sign the forms to confirm you want the transfer to proceed. You should give serious consideration before transferring your pension benefits into LGPS, and need to understand if this option will be beneficial to you. 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