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More than one pension?

It's entirely possible that you have a number of pension funds scattered around. If you've worked for more than one company, you may have several company pensions and personal pensions.

Where can I find out about my pension funds?

The Pension Tracing Service (part of the Pension Service) will try and help you trace all your pension funds even if you're not sure of the contact details. Find out about the Pension Tracing Service.

Get statements from your pension providers

To have a fuller view of the income you could get in retirement, you'll need to know the value of all your pension funds. Call your pension provider for an up-to-date statement.

If you have an Aviva pension fund, you may be able to get the current value of your pension fund at MyAviva. Just log in or register to see how your fund's doing.

Combine your pension funds

Over your working life, you may have built up pension plans with different companies. If that’s the case, it’s worth considering bringing them together in one place. Doing this could help you manage your pension investments more easily.

Our Pension Portfolio could make it easier for you to do just that. For more information, visit our Pensions Portfolio site.

Combining your pension plans may not always be the best option though and, in some cases, it may not even be possible. You can read more about this in the frequently asked questions. You should also talk to a financial adviser about your options.

Check how much income you could get

One of the first things you'll want to know, is how much income you could get in retirement.

Retiring in the next 12 months

In the 2014 Budget, the Chancellor announced changes that affect the options open to you if you're planning to retire in the next 12 months. You should understand these changes before making any decisions about your retirement.

Read about the Budget changes

Pension Annuity Calculator

See how much income you could get from your pension fund.

Retiring in more than 12 months

My Retirement Planner

If you want to assess the estimated future value of your personal pension plans and how much income they may provide you with in retirement, try using My Retirement Planner.

Related FAQs

What is a defined benefits (eg final salary pension) scheme?

This is a pension scheme where the members are entitled to a certain level of pension benefit. It is defined by a formula which uses the member’s length of pensionable service in conjunction with their salary to help determine benefits upon retirement. A final salary pension scheme is probably the most common type of defined benefits pension scheme.

What is a defined contribution scheme?

This is a pension scheme that has an agreed contribution rate from either the employer, the employee or both. Contributions are known and agreed in advance. Each member has their own 'pot' of money in the scheme. By the time the employee retires, the size of the pension fund will depend on the contributions made, the length of time they have been invested, investment returns and charges taken. The value of the fund can go up and down and there is a risk that it could be less than the amount paid in to the scheme.

What is tax-free cash?

Tax-free cash is money you can take as a lump sum from your pension fund without having to pay tax on it. You can spend this money on anything you want. You can usually take up to 25% of your pension fund as tax-free cash, although this may not be the case for everyone. For example, lump sums from final salary schemes are calculated differently. For the vast majority of people, tax-free cash will be a feature of their pension plan, but you should check with your pension provider what the rules are for your pension fund. You should also bear in mind that taking tax-free cash reduces the amount you can use to provide an income during your retirement. With Aviva this has to be taken by age 75. Read our 'Can I retire after I'm 75?' FAQ for more information.

If you have more than one pension fund and have already taken tax-free cash from one of those funds, you won't be able to combine that fund with any other pension funds you have. We can give you a quote for each individual fund and you will be able to take tax-free cash from the funds that you haven't yet taken money from. You can also combine any funds that you haven't taken tax-free cash from and get a quote for these funds. It is not always possible to combine your pension funds, please see ‘When is it not right for me to put all of my pension funds together?' FAQ.

The new pension rules which come into effect on 6 April 2015 mean that the way you can take your tax free cash is changing. See How do I take money from my pension fund?

If you have any queries or need further information about our products, talk to a member of our team by calling 0808 250 7935.

If you want financial advice, please contact your Financial Adviser. If you don't have a Financial Adviser you can find one via

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Contact us

For further help with combining your pension plans please call:

0800 068 4076

Monday - Saturday
9.00am - 6.00pm

Or, arrange for one of our team to call you back at a convenient time.

For our joint protection, telephone calls may be recorded and/or monitored.

Tools & Calculators

We've got a number of calculators to help you get your finances under control.


Register for our online service where you can securely access details of your existing policy.

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