Pension performance

Smokeyone

Hello

I have been trying to check my pension performance on Trustnet - the pension is invested in several unit trusts and these are the typical performance figures - do they seem reasonable -

3m 3.74
6m 5.85
1y 8.96
3y 34.53
5y 52.77

£1000 invested three years ago is now worth £1285

Many thanks

jamesd

Over three years that is an average return of 8.7% after expenses on your £1,000. That is above the long term returns from the UK stock market, which have been about 5% plus inflation. So your performance so far seems fine. Whether the funds you have are a good choice for the future is a somewhat different question, though.

westy22

jamesd wrote: »

Over three years that is an average return of 8.7% after expenses on your £1,000.

James, could you please just talk me through that calculation - I always get confused working out annualised returns. TIA

Smokeyone

Thank you for the advice - I have been checking my pension performance against other investments - ordinary investment trust savings plans and maybe I have been lucky but their figures are close to double -

Cumulative performance 1m 3m 6m 1y 3y 5y 10y

SLOC Universal Managed Acc Pn 1.2% 3.7% 5.9% 9.0% 34.5% 52.8% 98.7%
SLOC Universal Equity Acc Pn 1.6% 4.2% 3.9% 4.2% 37.9% 65.2% 121.6%
SLOC Universal Property Acc Pn 0.8% 3.2% 9.6% 16.6% 25.0% 49.1% 74.5%
SLOC Universal International Acc Pn 3.2% 4.8% 9.0% 15.6% 51.2% 60.0% 115.5%

jamesd

westy22 wrote: »

James, could you please just talk me through that calculation - I always get confused working out annualised returns. TIA

On windows calculator: 1285 / 1000 x^y ( 1 / 3 ) = . The x^y button is available in scientific mode and is two buttons to the left of the 4 button, an x with a superscript y.

Loughton_Monkey

Investing your pension in Axa Framlington Biotech over the last 5 years would have produced around 269% growth. If in JPM Natural Resources, it would have lost 45%.

Since most of us have foresight that is somewhat inferior to hindsight, we tend to get something between those two extremes.