When was the last time you looked at your old workplace pension?
If you’ve moved jobs over the years, you’re not alone in leaving a pension or two behind. But here’s the truth: just because it’s out of sight, doesn’t mean it’s in good hands.
At Clarity Wealth Limited, we regularly review historic pensions and come across three major red flags:
⚠️ 1. Money Sitting in Cash
Yes, really. We often find entire pension pots still sat in cash—sometimes for years—missing out on valuable market growth.
⚠️ 2. Poor-Performing or Legacy Funds
Many older pensions are invested in outdated or underperforming funds with high charges and little oversight. You wouldn’t let any other large asset sit on autopilot—why let your pension?
⚠️ 3. Misaligned Investments
Life changes—and so should your investments. What was right for you 10 years ago may be completely unsuitable now. We regularly see pensions invested at a risk level that no longer matches the client’s age, goals, or preferences.
✅ What We Can Do For You
We offer a full review of any existing pensions—including those from old jobs. We’ll break it down clearly for you:
- Where your pension is invested
- How it’s performing
- What charges you’re paying
- Whether it’s best left where it is, or moved elsewhere to work harder
We’ll also help you assess whether consolidating your pensions is the right move—balancing cost, investment options, guarantees, and flexibility. As outlined in our Pension Consolidation Guide, there can be real benefits when done properly.
💬 Not Sure Where to Start?
Just send us the latest statement from your old pension provider, and we’ll take it from there. No pressure, no jargon—just clarity.
📞 Let’s make sure your retirement savings are working as hard as you are.
Contact Clarity Wealth Limited or call us on 0113 258 6000 to get started.
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