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Be a disciplined investor

If you take your full tax-free cash allowance, 75% of your savings still need specialist care. We are authorised and regulated
by the Financial Conduct Authority
FSCS Protected

Be a disciplined investor

If you take your full tax-free cash allowance, 75% of your savings still need specialist care.

We are authorised and regulated by the Financial Conduct Authority

How your savings are invested matters

When we help clients to release money from their pension, we invest the remainder of their savings in a modern, tailored portfolio. And over the past 20 years our portfolios have consistently beaten the industry benchmark. This is important because how these investments perform has a significant impact on the size of our clients’ pension pots later in life.

1Source: FE Analytics and Dimensional Return programme 2.0. When we talk about the benchmark we are referring to an Investment Association average composition that matches the risk rating for your portfolio. It’s important to remember that past performance is no guarantee of future results.

Three ways to invest your pension savings

When it comes to personal pensions the aim is to grow your investments as much as possible. There are three main approaches:

Slide
The predictor
Trying to predict the future is still the most common approach. The question is: are you happy for your pension savings to be invested based on what is essentially guesswork?
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The tracker
Tracker funds aim to replicate the performance of a specific slice of one stock market (called an index) because history shows us stock markets have always risen over time.
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The Portafina
Our approach is about being disciplined, using: technology; a broader spread of investments, and scientifically proven facts to improve on the tracker philosophy.

Slide arrow_right_alt 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. Average index
return.
arrow_right_alt
arrow_right_alt Average tracker
return.

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.

Average index return.

Average tracker return.

Important: pension savings can go down as well as up. Past performance is not a reliable indicator of future results. Taking pension money early isn’t right for everyone because it could leave you with less to live on in retirement. That’s why it makes sense to talk with an independent and regulated adviser, such as Portafina, first.

The disciplined investor:

why it’s your best route to
pension happiness.