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is it worh it

is it worh paying into to the friends provident company pension fund.
the main funds seem to be run by BGI and dont seem to be doing very well . the company contribution is 11% and mine has to be 8.5% .
tanks for any help

Comments

  • dunstonh
    dunstonh Posts: 120,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    11% of free money would be wasted if you dont pay into it.

    What are you comparing the BGI funds up against?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • the sector average for each individual fund of which there are 6
  • dunstonh
    dunstonh Posts: 120,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    thats not bad. that makes it average. You are basically getting tracker performance with 11% of free money thrown in as well.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • jamesd
    jamesd Posts: 26,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How do the funds compare to the sector averages? Are they above or below? By how much?

    Even if they are significantly below it'll take a fair time for that to offset the benefit of the employer contribution. It is very likely that taking that money is a good idea.
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