How Do I Find My Pension?
The government estimates there is around £400 million unclaimed pension savings in the UK. Is there money owing to you?
It’s possible. Around 2/3 people have lost track of contributions they’ve made during their working life and HMRC says the average value of these “missing” pension pots is £33,500.
Sound too good to be true? Between 1989-2012 over 6.5 million people in the UK “contracted out” of the State Earnings Related Pension Scheme (SERPS). Since that scheme ended it’s come to light just how much confusion it caused. A quarter of employees weren’t even aware they’d done this.
If you worked at any time during those years, or if you’ve changed jobs several times, it’s time to check for “missing” SERPS money somewhere. And it won’t cost you a thing.
If you’re interested in tracing your missing SERPS related pension please read on:
STEP 1) Submit your details online.
STEP 2) Sign and return a simple form. This gives your approval for us to start the pension trace.
STEP 3) One of our pension advisers will be in contact to talk through the results of the pension trace and run through the next steps.
Total time investment by you: 45 mins
Why should I trace my pension?
You can also do this by yourself. HMRC has set-up a dedicated Pension Tracing Service here. And they also send you a report.
But typically, our customers say those reports don’t give enough info. For example HMRC, only lists the info at the start of the policy’s date. And it’s not unusual over the years for a policy to have passed on to different policy holders. You see something like a company called “Scottish Amicable”. Then it takes further research to find out your policy is now with Prudential. We do all that for you.
But the main thing is, just knowing where the policy is doesn’t tell you what to do next.
– Is this a good fund? Should I stay here? Is it performing well? High or low risk? And are the management fees reasonable compared with industry averages? How is my money invested? What are the risks? How much am I paying in management fees and can these be reduced?
– Or should I consolidate my pensions?
As with all our services, your pension report is prepared by a Pension Adviser. So not only do they find any missing money, they can then advise you what to do next. With no obligation.
Now, we know the ‘reclaim PPI’ industry has made consumers wary of so-called free financial services. So here’s our guarantee to you. If you contact Profile Pensions for SERPS Pension Tracing it is a completely:
No Obligation Pension Tracing Service
After we report back on the results, that’s it. There’s genuinely no pressure to do anything more. Which also means…
After we track down your pensions you never have to speak with us again. We won’t bombard you with weekly marketing. No automated phone calls or text messages trying to convince you to use our paid services.
What are you waiting for? Find your missing pension money now!
On average we find £25,000 per missing pension
Shaun, Found a £27,603 pension with Prudential. Lives in Penarth
The result of my pension trace was great! Profile helped me find pensions that I’d lost through moving employers and put everything into layman’s terms. Even though I paid out, I’m better off in the long run and in control of my pension pot.
Mark, Found a £24,899 pension with Re-assure. Lives in Bath
The process was entirely pain free, very professional and explained in a way that was easy to understand. The best part was that I found money that I didn’t know I had! I would definitely recommend Profile to anyone who needs pension advice or to find a lost pension.
Julie, Found a £8,420 pension with Phoenix Life. Lives in Scunthorpe
Year after year I would receive statements put them in a folder and forget about them. Until I received a letter from Profile asking if I would be interested in a pension trace. I took them up on their offer with no hassle within a few weeks they had found a company that I could transfer my pension to and pay in again If I wished to do so.
Average TrustScore of 9.4 out of 10
Alan Rowe, 2 days agoWhy use so called company’s like this who charge you more than 25% of what they find your illegible to when you can phone gov.uk for a small amount.parasites and vultures that’s all they are like ppi company’s out for all they can get.
Kalbant Brar, 2 days agoInstinctively I felt like l've been given honest and relivent information. Great service. Would recommend.
Iain Bridle, 2 days agoVery easy and well explained system and made even easier by plain speaking without all the jargon
Martyn Davis, 2 days agoSo far have been a great help. Gave me sound advice. Made me feel at ease when speaking on the telephone. I'm so glad I followed up the initial contact. Worth getting getting in touch. I have recommended Profile Pensions to friends.
John Edwards, 3 days ago5 star help with what I wanted out of my old private pensions
Deborah Grafham, 3 days agoVery helpful and informative.
Paul Gibson, 3 days agoEasy and helpful advice
Spread the word , 3 days agoExplained everything clearly and transferring was straight forward.
Paul Weir, 3 days agoGood honest advice, poor phone connection & line dropping prevented me from giving five stars. That is my only gripe really, the chap i spoke to was excellent and gave sound advice.
Debra, 4 days agoBrilliant - really helpful and nompressure
Michael Cotton, 1 week agovery helpful
Scott Blackman, 1 week agoGood sound advice, clear and concise information to make you understand every fine detail
nigel levy, 1 week agoWas very pleased with the advice I got
Mark Anthony Rankin, 1 week agoProcise and thorough review to help my pension preform right for me.EXELENT thankyou.
Alan Walsh, 1 week agoMade the process very clear and simple Profile provided a straightforward and simple process.
Unhappy , 1 week agoHad letter stating I had signed papers enqiring about HMRC and serps which I had not. Rang three times to try and clarify and waited 3mins on hold each time before being redirected to a voice mail. Coincided with my 55th birthday and abilty to take my pension. Not happy they got my info and dont answer phone. Anyone else had same?
David Vowell, 2 weeks agoThis company is very good at what they do and explains everything to u in simple and easy way and the staff are very friendly and helpful thank you for your help Mr David vowell
Andrew Robinson, 2 weeks agoJust a great service
C JONES, 2 weeks agoVery pleasant to deal with and helpful
Wayne Morgan, 2 weeks agoAppointments won t met,had my doubts
Find Your Pensions
The government estimates there is around £400m in unclaimed pensions. Is there money owing to you?