Find Your Lost or
Forgotten Pensions
It's more common than you might think to lose track of old pensions — especially if you've changed jobs several times over the years.
Whether it's a workplace pension from an old employer or a plan you set up years ago, bringing everything together can make it much easier to understand your retirement position and ensure your pensions are working effectively for you.
How to track down your pensions
There are several free tools available to help you locate old pension plans.
Gretel
Free ServiceGretel is a free service that helps you search for lost financial products, including pensions. Simply enter your details and Gretel checks against a wide range of providers to see if there are any matches.
Visit GretelPension Tracing Service
Government ToolThe Government's Pension Tracing Service can help you find contact details for pension providers if you've lost paperwork.
You'll need
- Previous employer names
- Approximate dates of employment
Pensions Dashboard
Coming SoonThe Government is currently developing the Pensions Dashboard, which will allow you to view all your pensions in one place online. While it's not yet fully available, it's expected to make tracking pensions much simpler in the future.
Learn moreWhat to do once you've found your pensions
Finding your pensions is only the first step. It's important to understand each plan before making any decisions. In many cases, bringing pensions together can make them easier to manage — but this isn't always the right option, particularly where valuable guarantees are involved.
Things to be aware of
Valuable guarantees at risk
Some older pensions include guarantees that could be lost if transferred. Always check before making changes.
Charges vary significantly
Charges and investment performance can vary significantly between plans. Comparing them is essential.
Pension scam risk
Pension scams remain a significant risk. Always take professional advice before making any transfers or changes.
How we can help
We regularly help clients track down and review old pensions, providing clarity on what they have and whether any changes would be beneficial. If you've found pensions you'd like to understand better, or need help locating them in the first place, we'd be happy to help.