Find your lost pension

Find your lost pension

Over a working lifetime in the UK, it is a fact that a lot of people lose track of some of the pension plans they accumulated on the way. This is further complicated by the fact that many of the original pension providers have long since been taken over or merged with other companies of a different name.

There are many websites offering to find your lost pension as part of their financial planning offering.

I suspect a lot of these sites are really looking for a way to offer to find your lost pension as a way to then sell the idea of consolidation- which may be a good idea, but often is a needless expense where an investor’s best interest to leave the funds with the current provider. Always ensure someone that is recommending a transfer justifies this on more than just consolidation (what will it cost, do the benefits outweight the costs?)

Reasons for retaining may be a combination of low current fees, adequate choice of funds, suitable flexibility, guaranteed rates(lost on transfer) or protected tax-free cash for older plans.

Find your lost pension- website

Fortunately, there is a website that allows you to find some of these pensions yourself (referring here only to money purchase pensions).

If you have lost an old pension, try and remember the original name of the company and then work from there. You may be surprised.


Sate 6th March 2023.

The views expressed in this article are not to be construed as personal advice. You should contact a qualified and ideally regulated adviser in order to obtain up-to-date personal advice with regard to your own personal circumstances. If you do not then you are acting under your own authority and deemed “execution only”. The author does not accept any liability for people acting without personalised advice, who base a decision on views expressed in this generic article. Where this article is dated then it is based on legislation as of the date. Legislation changes but articles are rarely updated, although sometimes a new article is written; so, please check for later articles or changes in legislation on official government websites, as this article should not be relied on in isolation. 



Chris Lean

Chris is a Chartered Financial Planner who writes blogs and articles to simplify and explain some of the financial issues that affect UK expats. Subjects include; hot topics, regulation and the ever-changing world of finance.

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