Poor pension fund performance

retiringtoosoon

Bostonerimus1 said:

retiringtoosoon said:

Personally I like downturns just before I make significant pension contributions….thinking back to march this year my employer made a £23k contribution that month. Investment funds were quite subdued then so I was well chuffed with how many units it bought!

The exact pattern of stock and bond market fluctuations will determine which frequency and timing of contributions comes out better in the end. But that's a very academic question as you can never know the future of the markets. So most people are probably best served by the discipline and cost averaging of regular monthly contributions. I'd also add that most people should not worry about the ups and downs of markets and invest broadly in the expectation of general economic growth over times scales of decades.

Yes I understand that. My employer has been making £5k contributions all year, March was an outlier due to bonus.