Pension Review

If your pension is not being regularly checked and reviewed you may find it is no longer inline with your current situation.

For instance you may have changed jobs, you could be close to retirement, or any number of other factors may be important reasons to make sure your pension is still setup correctly to suit your circumstances.

Combine this with the ever changing global financial situation and you can appreciate why it is important to have your pension reviewed regularly.

Contact us for a free no obligation health check of your pensions, investments and circumstances.

These are some important questions that are covered in a review by ourselves.

How comfortable are you that the charging structure and performance of your pensions is appropriate to your objectives?

Is your pension portfolio still inline with your requirements and does it take account of your thoughts on risk?

When markets have fallen has your pension reduced more than you were comfortable with? If so, it should be reviewed so that is inline with your current situation and attitude to risk.

Fundamental to any pension investment strategy is to complete a risk profile questionnaire. We ask a series of questions to ascertain your current situation. If you are, for instance a very cautious person and our risk profiler confirms this, we will select a suitable investment portfolio to meet with your new profile. By the same definition, perhaps you are in a with profit related investment which are generally deemed to be for the more cautious investor, but your profile indicates that you have a more balanced or adventurous approach to invesments, we may wish to consider realigning your portfolio (careful consideration has to be taken with with profit funds as some have a market value reduction applied or may have other penalties attached to them, please contact us for more information).

Example asset split

Example Market Performance

Wherever your pension investments may be, it is always good to have a regular independent review as many factors as your age and situation can make a considerable difference.