How to find a Fidelity pension
Lost pensions happen more often than you might think. People move house, switch jobs, or simply lose touch with old retirement plans. If one of your former employers used Fidelity for workplace pensions—or if you opened an individual Fidelity account at some point—you could have savings waiting for you. Here, we’ll show you how to find your Fidelity pension and get back on track.
What is a “lost pension”?
A lost pension is one you’re no longer actively managing or tracking. Even if you’ve forgotten the details, the money is still invested and yours to claim. Reconnecting with your pensions is vital to ensure you have a clear snapshot of your total retirement savings.
Reasons to Trace Your Fidelity Pension
You may want to trace your pension if:
You’ve changed jobs (and a previous employer enrolled you in a Fidelity scheme).
You suspect you have multiple pensions and want to consolidate them.
You’ve moved house, so Fidelity’s contact information for you may be outdated.
You’re reviewing your retirement savings and want to see all your pots in one place.
Steps to Find Your Fidelity Pension
Register for PlanViewer
PlanViewer is Fidelity’s online platform for managing pensions and other investments. Here’s how to set it up:
Go to Fidelity’s PlanViewer page and click “Register for PlanViewer.”
You’ll need to provide your name, date of birth, National Insurance number, and your Fidelity Reference Number.
This reference number is seven characters long and usually begins with either “C,” “M,” “N,” “P,” or the digit “5.”
Once you’ve created your account, you can log in anytime to check your balance and view statements. The catch is that you’ll need your Fidelity Reference Number beforehand—so if you’re missing it, try one of the methods below.
Call Fidelity Customer Services
If you’re unsure about your policy details or you don’t know your Fidelity Reference Number, call Fidelity’s customer service line on 0800 368 6868. You’ll likely need to confirm your identity by providing details such as:
Full name
Date of birth
National Insurance number
Current or past addresses
Their team will check if they have a pension record for you. It may take a little time to get through, but it’s a reliable way to find out if you have savings with Fidelity.
Use a Financial Adviser
You can hire an independent financial adviser (IFA) to trace and consolidate your pension. Typically, they’ll send Letters of Authority to providers like Fidelity, requesting your policy details. Keep in mind:
IFAs charge fees for their services.
They can offer professional, tailored advice on pension planning.
If you prefer someone else to handle the legwork—or you want expert guidance—an IFA might be worth considering.
Look Through Old Paperwork
Even though it might not be the most exciting task, searching for any old Fidelity documents can pay off. When an employer enrolled you or when you opened an account, you should have received a welcome pack. You may also have annual statements or benefit summaries. Check those documents carefully for a seven-character reference starting with “C,” “M,” “N,” “P,” or “5.”
If you do find it, you can use that reference number to register for PlanViewer or confirm details over the phone.
Use Penny (or a Similar Service)
If you’re worried you might have multiple lost pensions, a service like Penny can help track them all down using your personal details and job history. Instead of juggling phone calls or old paperwork, you can manage everything in one place:
Penny searches for your pensions across multiple providers, including Fidelity.
You get an overview of all your pots without the hassle of contacting each scheme individually.
Ready to Track Down Your Fidelity Pension?
Whether you prefer to register online, make a call, consult an adviser, dig through your old paperwork, or use a tracing service, it’s worth taking the time to find your Fidelity pension. After all, every pot contributes to your overall retirement. If you think there’s a Fidelity pension with your name on it, why not start looking today? It’s the first step toward a clearer picture of your future financial security.
