The Personal Finance Hub

🧾 4 Simple Pension Tips You Can Action Today

1. Keep a record of all your pension providers and accounts.
   Yes, this is just simple admin — a basic spreadsheet will do. But 99% of people never spend the 5 minutes it takes to set one up.
   👉 Use this link as a starting point
2. When you leave a job, always check your pension.
   Log in to your pension account and confirm the type of scheme with your employer before you leave. If you’re lucky enough to have a defined benefit pension (rare these days), it’s usually best to leave it as is and just make sure it’s clearly listed in your tracking spreadsheet.
3. If it’s a defined contribution scheme (most common), transfer it into your SIPP.
   A SIPP (Self-Invested Personal Pension) keeps all your pensions in one place and can help reduce fees over time as your pot grows.
4. Don’t have a SIPP? Open one with a trusted UK provider.
   At The Personal Finance Hub, our go-to platform is Hargreaves Lansdown — the UK’s leading private investor platform with 1.7 million clients and an easy-to-use app to manage your investments.