Pension Tracing

Pension Tracing

Pension tracing is a process that assists individuals in locating any lost or forgotten pension funds, allowing them to consolidate retirement savings and make informed decisions about their financial future. Getting a quote is the first step in your journey! Answer a few questions and wait for one of our Advisors to contact you!

What is Pension Tracing?

Locating your old pension isn’t just about curiosity; it’s crucial for your future financial security. Your pension funds represent years of hard work and saving, so having a clear picture of your retirement income is essential. By finding your old pension, you can assess your total pension pot, understand investment performance, and make informed decisions about your retirement planning, such as ensuring you’re saving enough. Consolidating pensions simplifies financial management, as multiple pensions can be challenging to track and may lead to administrative complexities and fees. Moreover, tracking down your old pension can reveal valuable benefits and options, such as reduced fees and better allocation rates, that could significantly impact your retirement income.

Did you know?

It is estimated that there are more than €400 million in unclaimed pension benefits that should have been transferred into estates but remained unclaimed because they were not registered in the individual’s name at the time. These unclaimed pensions represent a significant sum of money that individuals are entitled to but have not yet accessed.

Why Pension tracing is important?

Pension tracing is crucial as it ensures individuals can reclaim and maximize their retirement savings, which might be forgotten or lost due to changes in employment, addresses, or financial institutions. By locating and consolidating all pension accounts, individuals can comprehensively understand their retirement fund, make informed financial decisions, and secure a stable and comfortable retirement. This process helps in financial planning and prevents the loss of hard-earned money, contributing to better financial well-being in later years.

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Maura K.
Shaun Young atow quotes was excellent at helping me find a health insurance to meet my needs and finances. He also answered any and all questions I threw at him over a few days politely, friendly and reassuring, and I'm sure I drove him nuts. Thank you
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Eamonn O.
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Betty C
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Anita L.
Shaun was excellent in sorting my health insurance out. Quickly surmising that the existing health plan I had was not beneficial to me at this present time, and steering me on the right path.
Con M.
Con M.
I found Ross to be very helpful, informed and great to deal with..thanks for all your help..
Response from the owner: Hey Con,We’re so pleased to hear about your positive experience with Ross! It’s great to know he was able to provide helpful and informed support throughout the process. Thank you for taking the time to share your feedback – it truly means a lot to us. If you ever need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
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Pratibha S
I had wonderful experience working with my loan advisor , Bernadine Day, who was constantly helpful and knowledgeable throughout the process. She took time to explain every step in detail, ensuring I understood all my options. Anytime I had questions, she responded promptly and provided clear, practical answers. Her expertise and guidance made the loan process smooth and stress-free. I highly recommend Bernadine to anyone looking for reliable support in securing a loan.
Response from the owner: Hey Pratibha,We’re delighted to hear about your positive experience with Bernadine! It’s fantastic to know that her expertise and clear guidance made the loan process smooth and stress-free for you. Bernadine truly strives to make each step understandable and approachable for our clients, and your feedback reinforces her dedication. If you have any further questions or need assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Daniel M.
Daniel M.
Bernadine has been absolutely fantastic from the outset and throughout our mortgage process, her professionalism, patience and empathy is second to none and there was never any question too big or small for her to answer, we would like to thank Bernadine for all of her hard work and patience over the past number of months!
Response from the owner: Hey Daniel,We’re thrilled to hear about your positive experience with Bernadine! It’s wonderful to know her professionalism, patience, and empathy made such a difference throughout your mortgage process. She truly cares about making the journey as smooth and stress-free as possible, and your kind words mean a lot. Thank you for acknowledging her hard work and dedication over the past few months. If you have any more questions or need further assistance, please don’t hesitate to reach out.Best Regards,LowQuotes Team
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AMIT L.
AMIT L.
Cormac helped with a cutomised mortgage protection policy. His advice was invaluable and kept me informed throughout the process. Highly knowledgeable, nice and an engaging person.
Response from the owner: Hey Amit,We’re delighted to hear about your positive experience with Cormac. It’s great to know he provided invaluable advice and kept you informed throughout the process while helping with a customized mortgage protection policy. We agree – his knowledge and engaging approach make all the difference! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Beatrice E
Beatrice E
I had an excellent experience with LowQuotes this year as they helped me with the purchase of my new home. As a first time buyer, Fiona and Bernadine were really helpful with the lengthy and sometimes complicated process and helped ensure everything went smoothly. I would strongly recommend LowQuotes mortgages for anybody looking to buy their new home.
Response from the owner: Hey Beatrice,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to guide you through the lengthy process as a first-time buyer and make everything run smoothly. We understand how complex buying a home can be, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
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Rachael Q.
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Response from the owner: Hey Rachael,We’re delighted to hear about your positive experience with Richard. It’s great to know he was able to explain everything clearly and secure a great deal for your Income Protection and Mortgage Protection. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out. Best Regards,LowQuotes Team.
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Response from the owner: Hey Sophie,We’re delighted to hear about your positive experience with Craig. It’s great to know he kept in touch every step of the way and made sure you were a priority while securing your Mortgage Protection. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
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Wendy von M.
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Low Quotes was very helpful to choose the right life cover insurance for me and my wife. Thanks to Ross and Allen for their patience to make me understand about the different options and pros and cons.
Response from the owner: Hey Sijo,We’re delighted to hear about your positive experience with Ross and Alan. It’s great to know they were patient and thorough in helping you choose the right life cover for you and your wife. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
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Response from the owner: Hey Wayne,Thank you so much for your fantastic review! We’re thrilled to hear about your great experience with Colin and Courtney. It’s wonderful to know Courtney went above and beyond to make the process smooth during a stressful time, and that she was always available to answer your questions. We aim to provide that level of care and attention, so your feedback really means a lot to us! If you need anything in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
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How do I find lost or forgotten Pensions?

Gather information

Assemble details about your former pensions, including employer names, employment periods, and your Personal Public Service (PPS) number. Annual pension statements from past providers can also be invaluable sources of information.

Ask previous Employers

If you’re uncertain about your pension provider, reach out to your previous employers to enquire about the pension schemes associated with your employment. If you have provider details, provide them with relevant information, such as plan numbers and date of birth, to help in locating your records.

Seek Professional Advice

If you have difficulties with the pension tracing process, our financial advisors can offer valuable guidance. Not only can they locate all your pensions, but they can also potentially consolidate them into an effective retirement plan.

What do I need to do if I discover an old Pension?

Once you’ve located forgotten pensions, it marks the beginning of a new phase where you have the power to decide their fate. You can choose to leave your pension where it is, allowing it to grow within the existing scheme until your chosen retirement age. Alternatively, if your new job provides a pension scheme, consider transferring your savings for active control over your pension pot. Another option is to transfer into a Personal Retirement Bond (PRB), offering investment flexibility and potential benefits such as different retirement age options or tax-free lump sum withdrawals. However, it’s essential to discuss PRB options with our specialists as some may entail higher fees. If you’re uncertain about your old pension’s future, our team can provide guidance tailored to your financial circumstances and retirement goals.

Still need more information? Let us help you plan your dream retirement. Send us a message or freephone us on 1800-828-800

Your Questions Answered

We’re living longer than previous generations. Upon retirement, on average we will have 20-30 years of retirement. A pension plan will make sure you’re financially sound for these years. Whether you wish to travel, retire to the country, or spend time with your children & grandchildren.

The amount you will receive per month entirely depends on how much you’re willing to pay per month, the length of time you’ve been making contributions, the type of pension plan and its investment return. You can also choose to receive a lump sum upon retirement or not.

As of today, the State Contributory Pension is about €240 per week. For most people, during their 20-30 years of retirement, this simply isn’t enough. When you pay into a pension plan, you will receive both the state pension (If available to you) and your Pension Plan.

Tax relief reduces the actual cost of your pension. You do not have to pay tax on money that you put into a personal pension (This falls within the limits set out below). This is calculated at the highest rate of tax you pay (Currently 20% / 40%)

Example:
Monthly contribution = €100
Tax Relief (40%) = €40
Cost to you = €60

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