Get started

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

Over

Slide £26,000

better off

How your savings are invested matters

When we help clients release money from their pension, we invest the remainder of their savings in a modern, tailored portfolio. How these investments perform has a significant impact on the size of their pension pots later on in life. In just a 10-year period you could have over £26,000 more money with Portafina, compared with a poorly performing, higher charging scheme1.
1This is based on a pot size of £45,000 after the withdrawal of 25% tax-free cash. The Portafina-managed pension grows at an assumed 6% per year with provider charges of 0.2%. The comparative pension grows at 3% per year with provider charges of 1.2%. No other charges considered. This is for illustrative purposes only.

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?
Slide
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.
Slide
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.