Knowing what a good pension return is

sausage_time

Prism wrote: »

Use the XIRR function in excel - there are youtube vides that can give examples

Nice, exactly what I needed!

dilby

jamesperrett wrote: »

Is there anything on the report that looks like a fund name (or names)? I'd be surprised if you have your own custom portfolio of individual shares so I'd guess that your money is actually invested in one or more funds. If you can extract these fund names from the report you can easily create your own portfolio on Trustnet to see how they are doing in relation to various benchmarks or alternative funds.

I only have a list of more of those holdings i wrote (theres 3 pages of them). They are just the top 5. Im sure this is a stupid question but in this context what is the difference between a holding and a fund? Thank for your help.

MallyGirl

holdings are individual shares. A fund holds lots of different shares

e.g. Lindsell Train Global (a fund) has the following as its top 5 holdings:
Unilever PLC 8.12%
Diageo PLC 7.69%
Heineken Holding NV 7.35%
London Stock Exchange Group PLC 5.98%
The Walt Disney Co 5.48%

you, as an individual, could buy all those shares separately or, if you like their approach, then you could just buy some Lindsell train.

dilby

Oo okay thanks now I'm getting somewhere. When I log into the company's platform that my IFA is part of , i get 'Aviva Platform' as a product. When I click that I get a list of 13 funds, which is different to the paper reports I get sent which list out the individual shares i gave an example of. They are:

Artemis UK Sm Cos I Acc
Aviva Ins AXA Framlington UK Select Opps S14
Aviva Ins BlackRock UK Special Situations S14
Aviva Ins Fidelity Asia S14
AXA Framlington Emg Mkts Z Acc
JPM UK Dynamic C Inc
Merian UK Alpha R GBP Acc

So I guess that leads me to a related question, and that would this intermediary company who my IFA belongs to have any control over the shares within these funds or is the only thing they are doing is choosing these 13 funds?

MallyGirl wrote: »

holdings are individual shares. A fund holds lots of different shares

e.g. Lindsell Train Global (a fund) has the following as its top 5 holdings:
Unilever PLC 8.12%
Diageo PLC 7.69%
Heineken Holding NV 7.35%
London Stock Exchange Group PLC 5.98%
The Walt Disney Co 5.48%

you, as an individual, could buy all those shares separately or, if you like their approach, then you could just buy some Lindsell train.

[Deleted User]

https://www.bogleheads.org/wiki/Calculating_personal_returns