FutureCertainty
Changing the world, one plan at a time...
Portfolio
diagnostics
This may not be true for you, but from our experience of working with hundreds of clients, we have observed that most people who invest their hard-earned money in a pension plan are frustrated by its performance. They are also worried that their pensions will not generate enough income to fund a comfortable retirement.
Our experience of reviewing more than 5,700 pensions confirms that investors have every right to be worried. Many plans under-perform because they are not given the attention they deserve and the danger is that if your pension is not managed properly, you may not achieve future certainty.
There are three major reasons why many pension plans under-perform:
1. Many pension salespeople do not review their client’s pension plans on a regular basis. Once a pension plan has been sold, many salespeople – who usually only get commission for the initial sale of the plan – move on to other new prospects, and focus less on their existing clients.
2. Most people have not had their risk profile thoroughly assessed, and this may result in them taking unintended investment risk with their pension portfolio or not maximizing the gains available. Also, when asked, most people believe that market timing is a critical aspect of investment performance. But extensive research shows that market accounts for only 1.7% of investment returns. On the other hand, the same studies show that 92% of performance is actually determined by the allocation of assets in a portfolio. That is why it’s important to review your asset allocation on a regular basis.
3. Many people are not getting value for money because they are paying higher charges than necessary for the administration of their pensions. Charging structures became more competitive following the introduction of Stakeholder pensions in 2001, but many investors are still stuck in old-world, expensive contracts and do not address the problem because they are too busy, or do not understand the extent of this issue. They think their pension salesperson is taking care of their affairs, and would make changes to their plan if necessary. But most pension salespeople have little or no financial incentive to manage a pension plan more proactively.
That is why it is important for you to take charge of your pension plan. Acting now could make a huge difference to your future financial certainty. It could enhance the performance of the investments in your pension, and lower your management fees. We want to know, above all, whether you are getting the market return you are entitled to, for the amount of risk you are exposed to. Our unique Portfolio Diagnostic tool, developed from over 18 years of experience of analysing the performance of pensions and investments, allows us to answer this question with much greater accuracy than ever before.
Our Portfolio Diagnostic Report™ is available either as part of our overall financial planning service or as a standalone report. It is an objective analysis of your risk profile, your investment objectives, your expectations, and the performance of your pension investments. Simply put, we assess the current status of all your pension plans, and make detailed recommendations to improve their performance We want to know whether you are getting value for money.
The key is objectivity: because we charge a fee for this service, we have no other vested interest other than to see your pension investments grow. We simply give our advice.
Once you have completed the review, you will be able to make better decisions, and enjoy greater peace of mind. You will know what investments you hold and why. And, you will feel clearer about your goals, and have greater confidence about achieving them. Download the brochure and order form here or call us to discuss your requirements 0208 744 1888.
This may not be true for you, but from our experience of working with hundreds of clients, we have observed that most people who invest their hard-earned money in a pension plan are frustrated by its performance. They are also worried that their pensions will not generate enough income to fund a comfortable retirement.
Our experience of reviewing more than 5,700 pensions confirms that investors have every right to be worried. Many plans under-perform because they are not given the attention they deserve and the danger is that if your pension is not managed properly, you may not achieve future certainty.
There are three major reasons why many pension plans under-perform:
1. Many pension salespeople do not review their client’s pension plans on a regular basis. Once a pension plan has been sold, many salespeople – who usually only get commission for the initial sale of the plan – move on to other new prospects, and focus less on their existing clients.
2. Most people have not had their risk profile thoroughly assessed, and this may result in them taking unintended investment risk with their pension portfolio or not maximizing the gains available. Also, when asked, most people believe that market timing is a critical aspect of investment performance. But extensive research shows that market accounts for only 1.7% of investment returns. On the other hand, the same studies show that 92% of performance is actually determined by the allocation of assets in a portfolio. That is why it’s important to review your asset allocation on a regular basis.
3. Many people are not getting value for money because they are paying higher charges than necessary for the administration of their pensions. Charging structures became more competitive following the introduction of Stakeholder pensions in 2001, but many investors are still stuck in old-world, expensive contracts and do not address the problem because they are too busy, or do not understand the extent of this issue. They think their pension salesperson is taking care of their affairs, and would make changes to their plan if necessary. But most pension salespeople have little or no financial incentive to manage a pension plan more proactively.
That is why it is important for you to take charge of your pension plan. Acting now could make a huge difference to your future financial certainty. It could enhance the performance of the investments in your pension, and lower your management fees. We want to know, above all, whether you are getting the market return you are entitled to, for the amount of risk you are exposed to. Our unique Portfolio Diagnostic tool, developed from over 18 years of experience of analysing the performance of pensions and investments, allows us to answer this question with much greater accuracy than ever before.
Our Portfolio Diagnostic Report™ is available either as part of our overall financial planning service or as a standalone report. It is an objective analysis of your risk profile, your investment objectives, your expectations, and the performance of your pension investments. Simply put, we assess the current status of all your pension plans, and make detailed recommendations to improve their performance We want to know whether you are getting value for money.
The key is objectivity: because we charge a fee for this service, we have no other vested interest other than to see your pension investments grow. We simply give our advice.
Once you have completed the review, you will be able to make better decisions, and enjoy greater peace of mind. You will know what investments you hold and why. And, you will feel clearer about your goals, and have greater confidence about achieving them. Download the brochure and order form here or call us to discuss your requirements 0208 744 1888.