What is it?

Find & Combine is a service that will trace your old pensions and consolidate them into one pot, which could save you time and money.

This service will not take into account any state pension you're entitled to.

Pensions can be a complicated business, and you may need to seek further advice.

Find and Combine disclosure document

How it works

  • 1
    Sign up through the Find & Combine portal Sign up using the Find & Combine portal. This service is provided in partnership with MyFutureNow.
  • 2
    Enter what you can remember about your pots You'll be asked for some details – don't worry if you can't remember much about any of your pots – just fill in what you know.
  • 3
    You'll be notified when your pension is found Submit your search request and you’ll be sent email updates when your pension pots have been traced. Log in to your dashboard if you want to check in at any point.
  • 4
    Enjoy the benefits of combining your pensions Once your pensions have been traced, you’ll hear from MyFutureNow. If you decide you’d like to add your newly found pots to your Nutmeg pension, we’ll begin the transfer process, so you can enjoy all the benefits of your combined Nutmeg pension as soon as possible.

This service is designed to transfer pensions provided by former employers or other personal pensions to your Nutmeg pension. If you choose to opt out of your workplace pension, you may lose the benefits of any employer contributions.

Visit the Find and Combine portal to get started


As with all investing, your capital is at risk. The value of your portfolio with Nutmeg can go down as well as up and you may get back less than you invest. Pension rules apply. The tax treatment depends on your individual circumstances and may be subject to change in the future.