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:

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.