Pension peace of mind
by the Financial Conduct Authority
Pension peace of mind
We are authorised and regulated
by the Financial Conduct Authority
The value of ongoing financial advice
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.
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.
How much better off could you be with Portafina?
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.
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.
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.
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.
3 ways you are better protected with Portafina
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.
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.
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
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.