Hi there,

I am 26 years old and I currently have money in a pension scheme called Nuvos, as I previously worked as a Civil Servant between 2008-2011. However, I now live in Spain and work in Gibraltar. The Money in my Nuvos scheme cannot be paid out to me directly as I gave more than 2 years service, however it can, of course be transferred to another scheme. I also have a small lump sum in a scheme with my employer previous to that who was John Lewis, and I only have 6 months to transfer that lump sum. I would ideally like to transfer both amounts from the 2 seperate companies into a private pension. I haven´t yet opened a private pension as I dont know the first thing to do to go about this. Particularly as I now live abroad and my current employer, and not many in Gibraltar, offer company pensions, I would like to pay into a personal one.

Can anyone help with how I go about this and what are the best ones? I dont want to make a massive contribution every month but some would be good.

Many thanks