Hello Collie! Thanks for your reply and thoughts. Certainly leaving it here would be an option, there's no immediate requirement for it. I had originally hoped that I could just transfer the lot into a UK pension but as the ATO want a fair chunk of it on my departure, which still seems unfair, I guess I'm looking for the best scenario. Balance is about $40k and I'm 43 years old so a while to go before pensionable age!