Real life fund/equity/market performance in SH pension or SIPP - whats yours?

cing0

Pension providers are reluctant (probably due to regulation) to publish individuals pension investment performance figures but we can all see how funds and shares are doing but would MSE forum users mind confessing to their pension pot performance in the past 12m (YTD) ?

On Halifax fantasy share trader (going for about a year), top performers have a total increase in account value of thousands of percent which truly is a fantasy!

I'll start the ball rolling (actively managed removing contributions):

L&G Stakeholder pension +20% (funds)
Sippdeal (runrate) +44% (equities)

dunstonh

Pension providers are reluctant (probably due to regulation) to publish individuals pension investment performance figures

Since when?

You can see performance tables on most open insurance company sites or through trustnet or morningstar.

would MSE forum users mind confessing to their pension pot performance in the past 12m (YTD) ?

Seeing as you have an infinite number of variations possible, it doesnt really matter.

L&G Stakeholder pension +20% (funds)
Sippdeal (runrate) +44% (equities)

You havent mentioned the investments. Just the pension provider and type (but not version). Pensions dont make money. The investments within them do that. So, without knowing the investments its irrelevant.

cing0

Thanks for your input dunstonh.

What I meant was Halifax fantasy trader on its front page has list of Top Traders - pension providers don't and can't have such a thing!

I don't care what people invest in. I just want to know from real investors who will have a unique mix of funds and equities etc who want to boast or cringe. I don't want to copy your investment strategy, I only want to find out if I'm performing badly or not.

It's all about timing as well - If I'd posted this last week, sippdeal would be +52% YTD.
bristol_pilot on the ISA forum made +54% this year (however the FTSE has made +10%).

Loughton_Monkey

cing0 wrote: »

I don't care what people invest in. I just want to know from real investors who will have a unique mix of funds and equities etc who want to boast or cringe. I don't want to copy your investment strategy, I only want to find out if I'm performing badly or not.

Not sure I understand this! If (for example) you want to 'compare' with pension funds, then simply look at Trustnet. Best fund 44%+ last 12 months. Worst fund -11%. So that gives you a range. If I said I achieved 20% (I made that up), then what does it tell you?

Nothing.

So you'll know you only made 12%, so you'll be asking 'Cor! How did you do that?.....'

Suggest you do what a 'professional' fund manager [contradiction in terms?] would do. Devise your 'investment strategy' and then set out what you think is the best 'benchmark' - e.g. FTSE, or XYZ Global Fund, or some other mixture/index. Measure your performance against that.

As the Meerkat would say. "Simple."

nrsql

Think this is like the "how much have you saved" threads. Fairly meaningless but nice to compare yourself with other people.

Think the op just wants to compare to see if his pension investment strategy is performing wildly differently from others.

Think he is doing a lot better than me but then I don't have much in a pension wrapper because I think it introduces a lot of risk.

Data_Monkey_2

I think I get the hang of it.

Just looking at the investments that were there last Oct, and ignoring the value and performance of contributions made in the last year, the funds I have in my pension have gone up by roughly 26%.

JamTomorrow

The Pension I had 12 months ago is worth approx. 20% more now.

Currently my annualised return based on contributions over the past 10 years is running at 7%. Since I have been monitoring the annualised return over the past 3 years it has peaked at 8% and bottomed out at -5% during the first quarter of 2009.

Data_Monkey_2

I'm looking at a very long timescale for my pension pot, so I have a larger exposure to emerging markets than most.

I'd expect a slightly bigger rise during the good times, and I'm ready for some nice swooping drops in the hard times