Lost track of a pension? – what you need to know

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If you’ve lost a pension, you could be missing out on thousands of pounds in retirement income. Here’s how to find a lost pension.

This article isn’t personal advice. If you’re not sure whether an investment is right for you please seek advice. If you choose to invest the value of your investment will rise and fall, so you could get back less than you put in.

Published on 14 November 2023

It was correct at the time of publishing. Our views and any references to tax, investment and pension rules may have changed since then.

Most of us will have several jobs during our working lives and we could have a pension in each one of them.

As time passes, we might move house, contact details get lost and we lose track of a pension. This can have major implications on our retirement income.

The pension might only be small, but over time it has the potential to grow. You could be missing out on thousands of pounds.

This could prove the difference between having to scrimp and save to get by in retirement or being a bit more comfortable.

It could also give you the flexibility to retire a little earlier or go part-time in your final working years.

However, our recent research* showed that almost a quarter of us believe we’ve lost track of a pension and so risk a retirement income that’s not as good as it could be.

Knowing how to track these lost pensions down is