Consolidating products is often cost effective and convenient. Buying TV and broadband or gas and electricity packages from one provider, for example, is becoming commonplace. But when it comes to our pensions, we seem content with leaving our pots of money scattered among various providers until we retire. One in six workers has lost …

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  Fewer people than expected have opted out of the auto-enrolment pension scheme since it was launched almost a year ago, according to a report, which has identified a new mood of financial stoicism among the public. The study – by pension provider Nest and researchers the Futures Company – concluded that the tough economy …

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