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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Response from the owner: Hey Gareth,We’re thrilled to hear about your positive experience with Cormac! Providing responsive and helpful service is what we strive for, so it’s great to know he was able to assist you quickly and efficiently. We truly appreciate your trust in LowQuotes.ie and look forward to helping you again in the future!Best Regards,The LowQuotes Team
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Response from the owner: Hi Cathy,Thank you for your kind review! We’re delighted to hear that Shaun was able to explain everything clearly and provide you with great advice tailored to your needs. Making the process simple and easy to understand is exactly what we aim for, so it’s fantastic to know you had such a positive experience.If you ever have any further questions or need assistance in the future, don’t hesitate to reach out. We truly appreciate your feedback and for choosing LowQuotes!Best regards,The LowQuotes Team
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A huge THANK YOU to Niamh McCaul, our primary point of contact at LowQuotes.ie, during a two-year mortgage approval process. She stayed on top of our case, was extremely responsive, and helped us overcome every obstacle along the way.
Response from the owner: Hi Sara,Thank you for your wonderful review! We’re so pleased to hear that Niamh provided you with exceptional support throughout your mortgage approval process. A two-year journey can be challenging, and we’re delighted that she was able to stay on top of everything, offering guidance and responsiveness every step of the way.We truly appreciate your kind words and for choosing LowQuotes. If you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team
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Great service. We needed to get everything in place as fast as possible when buying a house and Aoife was absolutely fantastic. Great communication, had everything sorted so quickly and made it very easy for us. Would highly recommend.
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I won't lie I came upon lowquotes by accident when in a flurry of trying to organise insurances. Thankfully after I got a quote online an agent called Dylan Chadwell called me to follow up. He was such a pleasure to deal with and he explained everything without technical jargon. I am so grateful because within 48 hours I went with one of the polices he recommended. I would not hesitate to recommend them.It's lovely to deal with real people and Dylan seems like one of the nicest!
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I was referred to Cormac by my cousin, and he truly lived up to the recommendation! He helped me secure mortgage protection at a very reasonable price, ensuring every detail was explained thoroughly along the way. Cormac was the epitome of professionalism—helpful, knowledgeable, and incredibly approachable.He made what could have been a daunting process feel seamless, taking the time to address all my questions and provide tailored advice that suited my needs. I couldn’t have asked for better support.Thank you, Cormac, for your expertise and dedication. I’ll gladly recommend you to anyone in need of Mortgage Protection.
Response from the owner: Hi Michael,Thank you for your fantastic review! We’re delighted to hear that Cormac provided such a seamless and professional experience while helping you secure mortgage protection at a great price. Ensuring our clients fully understand their options and feel supported throughout the process is a top priority, so your kind words mean a lot.We truly appreciate your recommendation and are so glad Cormac lived up to your expectations. If you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
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Easy to use website & helpful staff that call back quickly to discuss quotes & the options of insurance policies available.Within the 1 hour phonecall with Dylan, I had my policy set up & organised.Dylan was very helpful as he broke down all of the jargon, in an industry that I am not too familiar with. This helped the process and I felt supported throughout.I would recommend to a friend or family member. In fact, i've recommended the service to family already.
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Planning for retirement is a significant milestone. Whether you’re just starting to think about retirement or are already well into your retirement journey, this guide will help you make informed decisions and create a retirement plan that aligns with your financial goals. And it’s totally FREE! Don’t wait, download now!

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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.

Would you like to speak to an advisor?

Our award winning team is always here to help you.

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

Warning: Past performance is not a reliable guide to future performance.      

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.