I'm afraid the answer is 'it all depends', things to consider are, 'how well is each scheme doing', 'are there any bonuses you will lose by transferring', 'what are the management charges on each scheme', 'are there any transfer fees'. Unless you are confident with assessing all of these things then an advisor is the only option. I went through mine with my IFA and some we amalgamated and a couple we left. This all assumes that these are schemes which aren't paying you a pension at the moment.