How can I find my pension(s)?

To find out the value of your pensions, you need to contact your pension providers. If you’re not sure who your pension providers are, then you can contact your former employers to find out, or use the government’s Pension Tracing Service.

Finding a lost pension

If you’ve had several different jobs, it’s likely that you’ve started and paid into several different workplace pensions.

Keeping track of multiple pension pots can be difficult, and you may even find that you’ve lost track of one or more pensions altogether, especially if you’ve moved house and you no longer receive pension statements.

The amount of money in dormant pensions is expected to reach £750bn by 2050.

If you’ve got various pensions scattered around then it’s very hard to keep track of your money, monitor the fees you’re paying, and make the most of your retirement savings.

To check the details of your old pensions you need to contact your pension providers. But what if you can’t remember who your pension provider was and you can’t find any paperwork with the details?

Contacting your employers to find your pensions

In this case, you can try asking your previous employers for details of your old workplace pensions. Contact the HR department, providing details like your employment dates, the probable dates of your pension scheme membership and your National Insurance number.

If you’ve worked for the public sector, you should be able to find information about your pension on the Department for Work and Pensions (DWP) website.

The Pension Tracing Service

Alternatively, you can use the Pension Tracing Service to find your pensions. This is a free government service that searches a database to find the names and contact details of your pension providers. You can fill in their online form, call them or write to them to start the process. 

What’s next? Transferring old pensions

Once you’ve found your old pensions you can choose to combine them into a single plan. The benefits of doing this may include lower fees and easier management of your money. You can opt to combine your pension pots into a Self Invested Personal Pension (SIPP), which will give you some choice over how your funds are invested. When you’re choosing a new plan you should look carefully at the provider’s fee structure, the investment options they provide, and whether there’s a minimum contribution amount.

It’s important to note that some pensions – in particular defined benefit pensions – have important guarantees. The government requires you to seek financial advice if you’d like to move a defined benefit pension worth over £30,000.

Updated: 17th July 2020

What our clients say about us:

Stephen, Kent
Stephen, Kent
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James took the time to make sure he understood my circumstances before giving me some excellent advice on how I could maximize the tax efficiency of my investments and thus my retirement income.
John, London
John, London
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James was incredibly understanding about what goals I wanted to prioritize. The key, for me, was to have it explained in simple terms. This enabled me to take out the right personal protection and pension plan. Trust is probably the most important part of this process. I felt/feel confident that James helped me make the right plans to safeguard my family’s future.
Peter, Tunbridge Wells
Peter, Tunbridge Wells
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James was highly professional and set me up with an investment plan that fit my needs and risk appetite. 5 out of 5 Stars
Joseph, London
Joseph, London
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I had multiple pension pots from previous employers and was looking for advice on whether to consolidate these plans. James undertook an honest and detailed analysis of my policies allowing me to make a fully informed decision on the best way to proceed. Highly recommended.
Matthew, London
Matthew, London
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I was looking to set up a pension plan as I had been given a generous allowance from my company. James advised on product and fund selection tailored to my personal circumstances and attitude to risk. Once the correct product had been identified. He facilitated all areas of setup and continues to manage things moving forward. 5 out of 5 Stars
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