Explainer | 5 minute read

Find and combine old pensions in just a few clicks

This article explains why you might want to consider bringing your different pension pots together (and how to check for lost ones) using the Creative Pension Trust Member Portal.

It’s easy to end up with pension money tucked away in a few different places. It happens when we change jobs and get set up with different pensions by different employers.

Multiple pots can make keeping track of it all – and making the most of it – a bit tricky.

But transferring your old pension pots to one place is easy and (usually) free – we don’t charge you to transfer your old pots to us and we’ll even help you find old ones you might have lost free of charge.

It only takes a few minutes to get started on the Creative Pension Trust Member Portal.

Start transferring my old pensions

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Why transfer your old pots to Creative Pension Trust?

1

Easy to see what you’ve got

The Creative Pension Trust Member Portal lets you can check your money anytime. See what you’re paying in, what your employer is paying in, and how your money is growing.

2

Easy to plan for the future

With your money in one place rather than spread around, you see exactly what you have and what that might mean at retirement. It makes it much easier to see how it’s going when everything is in one place.

3

Easy to make changes

If you want to change anything on your pension – like what it should be invested in, or who should get your money after you’re gone – you can do that all in one place.

4

Easy to invest your money confidently

Unless you make your own investment choices (most of our members don’t) we will automatically do it for you. So no complicated decisions to make – you can leave it to our experts.

How to combine your old pension pots

Step 1

Log in to the Member Portal and select Track, Trace and Transfer

You can find it in the left-hand menu. Click ‘continue’ when you’re ready.

Step 2

Click ‘Add Pensions’

Take a look through the handy list of the most common pension providers. You should find your old provider there and you can repeat the process if you have more.

Step 3

Connect your account

For most providers, you can log in to your old pension account or, if you’ve lost your log in details, you can get help to reset them.

Step 4

Tell us if you want to transfer it

The value of your old pension pots will be shown on your Pension Dashboard. You can transfer these to your Creative Pension Trust account by clicking the green ‘Transfer To Creative Pension Trust’ button shown above each one.

How to find any missing pension money

Step 1

Log in to the Member Portal and select Track, Trace and Transfer

You can find it in the left-hand menu. Click ‘continue’ when you’re ready.

Step 2

Look for 'Find Pensions' in the left-hand menu

Just tell us where you worked and roughly when – we’ll find any old pension pots you might have lost – for free!

Step 3

Accept our Ts & Cs and sign the electronic Letter of Authority

We can sweep any old pension money into your account with us or just find any old pension pots you have. Tell us what you’d like us to do and confirm you are happy to proceed.

Start transferring my old pensions

Before you go ahead

Remember: some kinds of pensions have special benefits attached, and may be best left where they are. It’s important to make informed choices about your pension. You may want to take professional advice before making any decisions. Transferring pensions can typically take 6-8 weeks, although it does depend on your old pension provider.