About two thirds of us have more than one pension; so that means there are about 6.6 million people who don’t know where all their pensions savings are. Twice as many admit to not knowing how much their pensions are actually worth.

Back in the old days many people had just one employer for their whole working life; so probably just one pension. These days when people move jobs much more often and have pensions with different employers and maybe private pensions too, the picture is a lot more complicated. Add to that the auto-enrolment pension scheme that employers are legally obliged to offer to employees and the situation become even more complex.

So how do you keep track of all your pensions? Well, there are plans for a Pensions Dashboard, where you can see all your pensions in one place, but until that is up and running here are some tips that may help:

You can find a lost workplace or personal pension scheme using the DWP Pensions tracing service at www.gov.uk/find-pension-contact-details

You will need the name of your old employer or pension provider, your current and former addresses and your National Insurance number. You may also need dates you worked for an employer.

You can get a forecast of your State pension going to www.gov.uk/check-state-pension.

Again, you need to enter various details to check your identity,

And once you have managed to track all your pension pots down, it is a good idea to get some advice. It might be tempting to consolidate all your pensions into one to make saving easier, but that might not be the best option. Please get in touch if we can help in any way with advice over pensions or planning for your retirement.  We can be contacted on 01246 435 996

No individual investment advice is given, nor intended to be given in this article and liability will be accepted in respect of any action you may take as a result of reading this article. If you are unsure you are urged to take independent investment advice.