Pension Returns

JohnWinder

they were going to start moving it to the pre retirement fund. I told them not to, I thought it would be a bad time to move out of stocks. If they had I presume it would have been moved to more bonds, just before the bond crash.

From the link you first gave us I deduce that you were and maybe are still 100% equities, ten years out and ‘don’t move my funds’. Someone else thinks you’re 69% equities. So should we now be comparing your results with VLS 100 for example or some similar diversified low cost equities fund?

Bostonerimus1

DavidAC said:

Thank you all. My other pension is Aviva Pension UK Equity AP 1 Fund factsheet | Trustnet and Aviva Pension Managed AP Fund factsheet | Trustnet, with a bit less in the managed than the other one. Again, not bad compared to the reference. Over the years I have moved savings about for the best return, but left my pensions. No idea if these two, Standard Life and Aviva are invested in good sectors. I am currently putting a lot into Standard Life while I can before I retire, which could be any time. I don't plan on drawing from either for another 8 years. Obviously I want to maximise returns for retirement.

Be very careful. The attempt to "maximise returns" can lead to dangerously unbalanced asset allocations and investing in risky products that promise silly returns. The Woodford fiasco and the losses people have had in crypto are examples of people chasing return. Your plan should be to reach you investments and financial goals with the minimum risk. So bias your thinking to minimizing risk within your strategy rather than maximizing gain.