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Most people will work for many employers in their lifetime. In the UK, your employer contributes to your pension.

My question is, when I come to retire how can I be guaranteed to have access to all of the many pensions I may have contributed to over the years?

  • By keeping all the payslips you receive which show your employers' contributions towards retirement. – Dmitry Grigoryev Jul 7 '16 at 12:42
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As I've had several jobs over the last decade, I've typically run two pension plans - a private one which I use for consolidating all my previous pensions into and my current corporate one (often doesn't allow consolidating) where I take advantage of the corporate benefits associated with it (large corporate institutions typically match your own contributions or contribute a fixed percentage of salary as a perk).

This allows me to not worry about the previous pension schemes I was a part of as they are in a single place. With the very last corporate job I had, I was not allowed to keep my pension pot under their scheme terms (unlike with a few others where it was allowed to stay in the scheme but contributions were no longer allowed by either party) and so when I left, I provided the details of my private pension plan and the pot was transferred into it by my employer.

I've since turned to contracting and consolidated all my previous pensions into a single private pension pot which I still contribute to every month.

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