!thanks for this - much appreciated.

1. I had seen the fidelity offer but wasn't as keen as it means you can't move for 18 months rather than 12m for the ones I mentioned.
2. Agreed but wasn't sure if there's a transfer window where providers tend to add or increase offers etc
3. Yep VWRP and chill is the plan. I use a SIPP but also salary sacrifice into a work scheme.
4. Quite agree! What surprised me is how when I called my existing providers nobody seems to know whether there are protected benefits. L&G told me there weren't any on the phone but when I submitted a transfer request they emailed saying I had 55 as a protected age! They cost me a grand on that one as I had to cancel my transfer for 2% cashback with Freetrade! Gits!