Hi, I wonder whether anyone else might have been in my position and might therefore have good advice. For a while I have been getting letters from Scottish Widows about an account I have. I thought it was a mistake, but eventually rang up and found out that I have a bond (from pension scheme in a job many years ago), which has a lump sum of about 11,000 and minimal monthly amounts when I retire. Because I have taught part time and worked through agencies in England (where I was not in the pension scheme), my teacher's pension is pretty poor. I am wondering whether I would be better to transfer the money from the other scheme to the teachers' one, or whether they would be better kept separate.