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Pension Performance with a default Aviva fund
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@Albermarle how do you make my fund 19.3% please???0
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I make it 18.2%0
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MetaPhysical said:31/12/23 - 31/12/24. 7.4%31/12/22 - 31/12/23. 9.9%31/12/21 - 31/12/22. -14.6%31/12/20 - 31/12/21. 9.8%31/12/19 - 31/12/20. 6.8%
N. Hampshire, he/him. Octopus Intelligent Go elec & Tracker gas / Vodafone BB / iD mobile. Ripple Kirk Hill member.
2.72kWp PV facing SSW installed Jan 2012. 11 x 247w panels, 3.6kw inverter. 34 MWh generated, long-term average 2.6 Os.Not exactly back from my break, but dipping in and out of the forum.Ofgem cap table, Ofgem cap explainer. Economy 7 cap explainer. Gas vs E7 vs peak elec heating costs, Best kettle!1 -
The one that's hurting you there is the 14.6% in 2022 as this wipes out the gains of the previous 2 years.
What is your overall asset mix Equities / Bonds? If you are at 60/40 so on a par with HSBC Global Strategy Balanced and VLS 60 then you are a bit behind but not ridiculously so.
How are you calculating your return?
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DRS1 said:I make it 18.2%0
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Interest thread, I too am in an Aviva work place pension, I’m in the default scheme, but have recently become much more interested in investing and pensions and been doing quite a lot of research especially as I now have more disposable income to put into pension or S&S ISA.
I took a look at my Aviva pension thinking I’d move out of the default scheme after much I had read that this is a good thing to look at doing as often default funds aren’t the best option for most.
MyM My Future Growth S0 which is 73.3% in global equities 1.7% international bonds 2.7% U.K. corporate bonds 2.4% managed funds 1.4% U.K. equities 2.7% all others
last five years
2020 10.8%
2021 17.7%
2022 -8.4%
2023 14.3%
2024 15.4
i appreciate past returns arent an indication of future returns but the above seems ok to me, not unbelievable but pretty steady growth, how do those of you worth much much more knowledge and experience of these matters think my default fund stacks up over the past five years, should I be actively looking to move funds or is this performance and asset mix seem ok moving forward?
thank you1 -
Maybe it's me, but I think those returns aren't bad. Everyone got battered by the knock on effect of the Ukraine invasion in 2022.2
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I agree. I have reevaluated and I am staying with Aviva. The performance isn't starship level but it's "steady as she goes".
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MetaPhysical said:I agree. I have reevaluated and I am staying with Aviva. The performance isn't starship level but it's "steady as she goes".1
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I have turned life-styling off.
This is what I am thinking of doing so thoughts critiques most welcome.
I was split 94% on the Av MyM fund and 6% on a very poorly performing bonds fund that I was being life-styled into where the performance is pants at 1% last year. The performance is like a pancake and isn't even keeping pace with inflation. I cannot afford to let this continue. My main Av MyM at 96% allocation is already split 60:40 equities/bonds so I am diversified there already. I don't need another "pure" bond fund, especially where the performance is pants and if I did nothing I would be facing more and more exposure.
I think I need to take a tad more risk. So I am going to reapportion to the following: 80% Av MyM and 20% Vanguard LS 80% equities and review later in the year. I am 57 and so can afford to do that. It is not mega risk either.0
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