Which is best Pension provider?

Linton

Your loss.

To take a range of funds I have held for 8 years....

JPMF Natural Resources: 28%/yr return
Old Mutual small companies: 16%/yr return
Jupiter Emerging Europe: 21%/yr return
First State Asia Pac: 15.8%/yr return

How's your return on property?

dunstonh

Yes, I've heard that one before as well..

The facts do back it up though. If you do a risk scattergraph of funds in the same sector, then generically, you will often see the higher risk ones better in periods of growth and the lower risk ones better in periods of decline.

matrix11001

No one seems to be giving any firm answers on this, but is aviva a good pension to invest in.

I am looking into diverifying my pension portfolio (I currently have a Virgin Personal Pension (stakeholder).

There appears to be a lot of conflicting advice on whether or not aviva is a suitable provider to invest your pension in long term.

I have read several articles, most negative regarding aviva (mainly dating back to 2003 - therefore I take with a pinch of salt as the complaints may no longer apply).

Does anyone have any experience of aviva as a pension provider as an invester. Looking at Cavendish Online aviva seems to be a good option.

I am waiting for a call back from an advisor attached to aviva to find out a bit more about the stakeholder, as there are quite a few funds you can invest in and I have no stocks and share experience (that will be my next avenue of research once my second pension is arranged).

Considering the lower management fees (not the only thing I am taking in to account) they seem like the best bet. What are people's experience with them (as recent as possible) and would they recommend them to others.

I hold my contents and car insurance with them, and have found them to be good at that side of finances, but what are they like as a pension provider.

I am 33 (just) and would like to make sure I have adequate provision for my future. I will be sorting out an ISA Stocks and Shares as soon as possible.

Any experience or advice would be much appreciated as am not making much headway in regards to whether to proceed or not

:wall:

dunstonh

No one seems to be giving any firm answers on this, but is aviva a good pension to invest in.

Which Aviva pension? They have 2 main ones currently, one of which has 3 versions. They are also prone to issuing different pricing for different distribution channels.

I am looking into diverifying my pension portfolio (I currently have a Virgin Personal Pension (stakeholder).

Which is one of the worst pensions out there.

There appears to be a lot of conflicting advice on whether or not aviva is a suitable provider to invest your pension in long term.

I have read several articles, most negative regarding aviva (mainly dating back to 2003 - therefore I take with a pinch of salt as the complaints may no longer apply).

Aviva typically change their products every 12-24 months. Any article less than 12 months old is referring to old versions of their personal pensions. Their current stakeholder is 3 years old and not as good as the previous one. The one before that was awful.

Considering the lower management fees (not the only thing I am taking in to account) they seem like the best bet. What are people's experience with them (as recent as possible) and would they recommend them to others.

You dont buy a stakeholder to have lowest charges unless you are talking about small amounts or short terms. Personal pensions are typically cheaper.

matrix11001

Does anyone have a stakeholder pension with either Aviva or Standard Life? I'm intending to go through Hargreeves Lansdown and I have the option of investing in either of those pensions (0.8% management fee for Aviva and 1% management fee for Standard life) I was was wondering how they perform over the long term and if they are a good investment. I am more inclined by Standard Life as have been told Aviva isn't that good an investment and know that you need to look at more than the annual management fee - any comments would be much appreciated.

SItuation basically is I am looking for an additional stakeholder pension for which I will pay about £100 in monthly (this will go up and down depending on current circumstances I identify on a monthly basis).

I currently earn about £18000 a year, £1200 goes to NHS pension, about the same to my virgin one. I would like to get another (better pension) that is good value for money to which I can contribute to, so that I am spreading my investments and hopefully get a good income when I retire.

I am soon going to be changing jobs, which means a pay drop to start off with as I will be starting fresh in this area (NVQ assessing) assessing my job rather than doing it. I am intending to do this full time, therefore eventually should be on same as what I am on now, and intend to go further as and when I can once I've got my foot in the door, so hopefully my income should increase.

I would like to find a pension for which I can bulk add payments too as and when I can boost it (this can be from £100+) when times are good and I know I don't need it in my rainy day pot.