The more I read the less I know! I've got a final salary scheme + another pension (now locked) linked to retail price/inflation + AVC. Am I going to be better off leaving them in UK so they can grow in 'payout' terms - one is a civil service scheme, is it true that as its not an invested scheme no fund growth exists to be taxed by ATO? Next problem; if I had a regular income from UK whats the best way to get my mits on it without paying large amounts of commission? I realy want to lighten up and enjoy Oz so please someone HELLLLLLLLLLLLLLLP, thanks + merry crimble & happy new exile to all