Britons may be able to boost their state pension ‘by a third’

SunLife experts said: ‘So if you delay taking your state pension for three years, you’ll get almost a third more.’However, the experts continued: ‘It’s also important to note that you need to have 35 years of National Insurance contributions to get a full new state pension, and if you haven’t quite got there, you may be able to buy back missed years.’Track down old pensionsChanging jobs every few years is becoming the norm, making it easy to forget about the different pension pots opened at each one along the way.SunLife experts said: ‘You may lose track of pension pots that would have helped to boost your retirement wealth. Hunt out any paperwork that you have from former employers and see how much might be in your pots.’People can also use the Government’s free Pensions Tracing Service tool.The experts continued: ‘If you have a few pensions with different providers, you could consider transferring them to your current provider.’However, there can be a penalty charge for moving a pension from one provider to another, so it’s best for people to get advice from an independent financial adviser if they intend to do so.SunLife experts said: ‘[The experts] will do the sums and work out what’s best for your pension pots. It will cost to use an adviser, but in the long run it tends to be worth getting proper financial advice on something as important as your retirement wealth.People can also get a free session with a trusted financial adviser through VouchedFor.co.uk or MoneyMagpie.com.Consider a side hustlePeople who are at risk of facing a shortfall in their pension could consider taking on a side hustle.SunLife experts said: ‘There are hundreds of different ways to make extra cash in your spare time, depending on your skills, geography and time constraints.’You could do some dog walking in your area, tutor kids locally or online, do repairs and alterations, and much more.’Maybe you have a practical hobby that would boost your retirement income, such as candle making, knitting or baking cakes to sell at car boot sales, markets, events or even on local groups on Facebook.’The money people can make from this could be a good boost to their retirement income.