Why is it so difficult to switch a pension? Navigating the transfer maze

When I landed my first job in my 20s, my workplace pension felt like an afterthought – thrown at me with zero guidance. Defaults weren't a thing, investment choices were a guessing game, and engagement was non-existent. With no tech to simplify things, no paperwork that made sense of what it meant and no customer service to lean on, I did what many did: picked an option at random and then forgot about it. Looking back, it's clear how far the industry has come – but also how much further it still needs to go. Fifteen years later, after starting my own business, my pension remained neg...