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Contact us

Find a lost pension.

According to the Pensions Policy Institute, in 2022 approximately
£26 billion was sitting in 2.8 million ‘lost’ pension pots, with a further
£3 million in pots not matched to their owner.

What is a lost pension?

A lost pension is a pension fund that people may have lost track of or have been unable to track down from previous employment. Most commonly, people lose track of their pension and their retirement funds when they change employment, change their name, or move house.

People often don’t tell their pension provider when their circumstances have changed, and in some cases, people may not even be aware of who their pension provider is or how to contact them. So, many people do not know how much their pension savings may be worth. This makes it difficult to plan for retirement.

How do I find a lost pension?

There are several ways you can find your lost pension. If you can contact your previous employer or employers, they may be able to provide you with the details of your former pension provider. From there, you can contact them and get information about your old plan.

If you think you are missing a pension but are unable to find the contact details required to take the first steps, you can use the government’s free Pension Tracing Service which searches a database of more than 200,000 pension schemes to find contact details for you.

This service will not tell you whether you have a pension or what its value is and you will need the name of the employer or pension provider to use this service.

 

What information do I need to trace my pensions?

There are a few key bits of information that you will need when tracing your pensions. You will usually need to provide:

You will need to find out what type of plan you have. For example, a defined benefit or defined contribution pension and which pension provider your pension is with.

It may be useful to know that Auto Enrolment was phased in by employers from October 2012. Prior to this time, you will only have a workplace person if you opted in.

You will usually need to provide

  • Your National Insurance number
  • Your pension plan number (if you have this)
  • The name of your employer
  • The date you started and stopped working for your employer.
  • The date you joined and left the pension scheme.

Why should I find my lost pensions?

Without having all your pension information, you will be unable to have a clear picture of your savings and how this could impact your future life after work.

You could have larger savings that you are unaware of. Not knowing this information could affect your planning for life beyond retirement. Alternatively, you may think you have more money than you do in your pension, which could dramatically impact you in later life.

What can I do with my lost Pension?

What can I do with my lost Pension?

Once you have found the information you need about your lost pensions, there are several options for you to consider.

Consolidate:

You can combine and consolidate your pensions in one place. This could make it easier to keep track of them and help you plan for the retirement that is best suited for you.

Pension consolidation may not be right for everyone. Therefore, it is important to speak to a financial adviser to discuss the best option for you.

Leave your Pension as it is:

You could leave the pension savings where they are with each of the different providers.

When the time comes you can draw from them when you need to.

If you change your mind, you can revisit your options at a later date.

If you have found your lost pensions and are looking to consolidate.

Take control of your retirement savings by consolidating your pensions all in one place. Our pension consolidation process is simple and with financial advice from our experts, we can help you make informed decisions about your financial future and help you reach your retirement goals.

  • Expert financial advice wherever and whenever you need it.
  • With the help of our investment solutions, we can help plan your portfolio which is bespoke to you.
  • Help and support when you need it with our dedicated Relationship Management Team.
  • Award-winning innovative technology to track your money 24/7
  • Simple and transparent fees to ensure you’re fully aware of costs before you sign up.

Ready to find your lost Pension?

Ready to find your lost Pension?

If you’d like to find out if consolidating your pension is right for you, please get in touch. There’s no obligation and our friendly team, will talk you through your options.

It’s important to understand that with investing your capital is at risk. Investments can fluctuate in value and you may get back less than you invest.

Pension consolidation may not be right for everyone. It’s important to speak to a financial adviser to discuss the best option for you.

Call us on 0191 625 0350

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Finding your pension FAQs

Your National Insurance number can come in handy if you are trying to locate your lost Pension, Yes, you will need to provide your National Insurance number to help locate your lost Pension. Your National Insurance number will help with verifying your identity.

The fastest way for you to get a forecast of when you will get your state pension and how much it will be is by using the state pension calculator via the government‘s website.

If you are seeking information about personal or workplace pensions, this may prove to be more difficult to locate if you have several different pensions with different providers.

Pending on your pension provider, you should get a statement each year which tell you how much you currently have saved in it. If you know the provider your pension is with you could contact them directly or log into your online account.

You can reach out to your previous employer to trace your workplace pension. They may be able to provide you with the details of your former pension provider. From there, you can contact them and get information about your old plan.

If you are unable to get hold of the contact details you need from your previous employers, you could use the government’s Pension Tracing Service to locate lost pensions contact details.

Depending on the pension scheme and its terms and conditions, you may be able to cash in a pension from a former employer. There may be age restrictions and tax implications that you will need to consider. it’s important you seek specialist advice to discuss the options available to you.

Helping our clients do more

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Brought to you by True Potential Wealth Management.

True Potential Wealth Management offers restricted financial advice. Our service is specifically designed for clients wishing to access their financial affairs online.

With investing your capital is at risk. Investments can fluctuate in value and you could get back less than you invest.

Tax is subject to an individual’s personal circumstances, and tax rules can change at any time.

True Potential Wealth Management LLP is authorised and regulated by the Financial Conduct Authority, FRN 529810. www.fca.org.uk

Registered in England and Wales as a Limited Liability Partnership No. OC356611.

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