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Pension peace of mind

We manage over £½ billion in pension savings for our clients: we can take care of everything for you, too. We are authorised and regulated
by the Financial Conduct Authority
FSCS Protected

Pension peace of mind

We manage over £½ billion in pension savings for our clients: we can take care of everything for you, too.

We are authorised and regulated
by the Financial Conduct Authority

The value of ongoing financial advice

Even if you take your full tax-free cash allowance, there’s still 75% of your savings that need specialist care and attention. That’s why the majority of our clients ask us to manage their pension for them, on an ongoing basis. And we can do the same for you, too.

As well as regular updates, portfolio rebalancing and an annual review of your savings, for an annual fee of just 1% there are many benefits you can take advantage of as a Portafina client.

Slide On average, this is how much extra pension wealth people have when they receive financial advice at least twice.1 50% more

Taking pension money early isn’t right for everyone because it could leave you with less to live on in retirement.

Lower charges mean more room to grow

Almost all pension providers levy what is called an annual management charge. Typically, these range from 0.5% to 1.5%. In contrast, the annual provider charges we negotiate for our clients are generally around 0.2%. This means more money stays in your pension with the potential to grow. As the graph shows, this could have a significant impact on the size of your pot1.

1Based on a £50,000 sum at onset, growing at 6% per year for 15 years with provider annual management charges of 0.2%, 0.5%, 1% and 1.5% applied. No other charges considered.

How much better off could you be with Portafina?

Let’s have a look at how much a £50,000 pension pot would be worth in 10-years’ time if it was invested in each of our main portfolios, compared with an industry benchmark.2

Slide Future Life Considered
Portafina (6.09%) £91,788.12 Benchmark (4.78%) £80,565.74
Slide Future Life Composed
Portafina (7.18%) £102,297.32 Benchmark (5.28%) £84,678.76
Slide Future Life Poised

Portafina (8.18%) £112,984.16 Benchmark (6.85%) £98,995.59
Slide Future Life Headway
Portafina (9.10%) £123,790.41 Benchmark (6.82%) £98,700.73
Slide Future Life Quest Portafina (9.95%) £134,682.55 Benchmark (6.78%) £98,308.93

2The performance figures are based on simulated 10-year average annualised returns of our portfolios, as of December 2019. Source: FE Analytics and Dimensional Return Programme 2.0 (for some of the funds indices that provide guide information on historical performance have been used). No provider charges taken into account. When we talk about the benchmark we are referring to an Investment Association average composition that matches the risk rating for each of our typical portfolios. Important: past performance is not a reliable indicator of future results. Pensions can go down in value as well as up, so you could get back less than you put in.

Slide 1 3 ways you are better protected with Portafina The Financial Conduct Authority

We are authorised and regulated by the FCA. This means we must follow strict ethical and procedural guidelines to ensure everything we do is in our clients’ best interests.
Slide 2 3 ways you are better protected with Portafina FSCS protected

Your savings will be protected by the Financial Services Compensation Scheme. This means you can get up to £85,000 of your money back if the provider responsible for your pension fails.
Slide 3 3 ways you are better protected with Portafina The Financial Ombudsman Service

You will have access to the Financial Ombudsman Service. This means additional security around the advice we give you. Both now and in the future.

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3 ways you are better protected with Portafina

The Financial Conduct Authority

We are authorised and regulated by the FCA. This means we must follow strict ethical and procedural guidelines to ensure everything we do is in our clients’ best interests.

FSCS protected

Your savings will be protected by the Financial Services Compensation Scheme. This means you can get up to £85,000 of your money back if the provider responsible for your pension fails.

The Financial Ombudsman Service

You will have access to the Financial Ombudsman Service. This means additional security around the advice we give you. Both now and in the future.

Welcome to Portafina

Watch our quick video to find out more on the pension peace of mind you’ll receive as a Portafina client.
Be a disciplined investor with Portafina

Be a disciplined investor with Portafina

Unlike many financial advisers, we invest our client’s money based on Nobel-winning science rather than relying on educated guesswork. The aim of our investment strategy is that more often than not the investments you make through us will beat the average market return by a small yet significant amount. Find out more.