you will lose a certain amount in transfer fees and or penalties, leave it where it is if you can, you can only cash it in if you are going to retire too, if you are still working you can't take it , if you are not still working I think you have to be over 55 or theerabouts, i have a 28 year old House of Fraser pension that i only paid into for 6 months in 1980/81, it's worth several thousand now and will be worth more in 10 years time when i retire, but if i move it I;'ll lose a hefty chunck apparently, i've already asked about doing that.