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I started a pension with Rothschild back in 1989 and I am now thinking of cashing it in or transferring the lot.They are going to charge me a great deal but I have lost confidence in pensions altogether?
I am also self employed.
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Warning about early pension release schemes
The FCA says "You should be especially wary of any scheme offering to help you release cash from your pension before you are 55, as it is almost certainly a scam."
The Pensions Crisis
We have a separate board called Pensions - Motivation and Policy. If you want a general discussion of the relative merits of pensions or to talk about the "Pensions Crisis" that is the place for the discussion.