It can be all too easy to forget about pensions linked to old jobs, especially when you’ve switched companies, careers, or even countries a few times.
But your CV, which lists all your past jobs, can be a super helpful tool in tracking down any pensions you might have left behind.
Here’s a simple guide on how to use it to find those lost pensions and make sure you’re not missing out on any money.
Step 1: Check Your Job History
First, take a good look at your CV.
It has all the jobs you’ve worked over the years.
Write down the names of these companies, how long you worked there, and what your job was.
These details are your first clues in finding any pensions.
Step 2: Talk to Old Employers
With your list of old jobs, start reaching out to the HR departments at those companies.
Ask them if you had a pension plan when you worked there and if there’s any money that belongs to you.
If the company has changed its name or owners, you might need to do a little digging online to find out who to talk to now.
Step 3: Gather More Clues
If your CV doesn’t cover every single job (like those short gigs or part-time work), look for more clues in your old pay slips or tax returns.
These documents can help you remember places you worked and help in your pension hunt.
Step 4: Check with Pension Helpers
The Pension Tracing Service offers a free service to help locate personal and workplace pensions in the UK.
Step 5: Keep Your CV Updated
To avoid losing track of pensions in the future, keep your CV up to date.
Add new jobs as soon as you start them, and note any pension details too.
This makes your CV ready for job hunts and keeps a record of your pensions in one place.
Step 6: Consider Professional Help
If you need help tracing your pensions, consider consulting a financial adviser.
We can offer expertise and resources that might be challenging to access on your own.
The Bottom Line
Think of your CV as a treasure map to find pensions you’ve forgotten about.
By methodically using it to check past jobs and tracking down pension plans, you can secure money that rightfully belongs to you.
Each job from your past could be holding a piece of your future retirement funds.
Don’t let that money slip away!
