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[Music] hello and welcome to the latest episode of millennial money so today i thought i would ask damian about pensions ive got a few questions about personal pensions and workplace pensions and before i went to money to the masses i had um two previous jobs where i opted into the pension scheme and i had a letter through in the post the other day give me an annual summary of my pension i just wondered what do i do with my pensions do i just leave it there or is there anything i can do with it so what youre talking about is um what they call pension consolidation so you can as an option consolidate all your pensions into one pot that is something that people consider there are a number of reasons why you might do ill come on to that but one of the things youve got to realize there are different types of pensions so you can have what they call defined contribution pension which means that you put money into the pension pot and that pot then grows over time as its invested there i