Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

Buffman said:
Just moved my pensions out nutmeg and a self selected aegon fund into vanguard.
Im not sure wether to go 100% vanguard all cap or maybe add say 50% higher growth in there (e.g. S&p 500 /higher weighting to America tech stocks)

This is my "main pot" with cira 70% of my pensions and the "working fund" my company pays into is a seperate fund
Click to expand...

Options via Vanguard:

Vanguard FTSE Developed World UCITS ETF USD Accumulation (VHVG)
Vanguard FTSE All-World UCITS ETF USD Accumulation (VWRP)
Vanguard FTSE Developed World ex-U.K. Equity Index Fund
Vanguard FTSE Global All Cap Index Fund

Vanguard S&P 500 UCITS ETF USD Accumulation (VUAG)
Vanguard U.S. Equity Index Fund

Vanguard FTSE All-World High Dividend Yield UCITS ETF USD Distributing (VHYL)

--------------

Ended up going VHVG as has plenty of exposure to S&P 500
The OH is debating VWRP or Global All Cap but also wants to add % VUAG
 
dlockers said:
Another example is ERCs on mortgages. When rates were doing their thing quite a few folk realised they could take a loss against their existing mortgage because the gain on a renewal outdid the penalty and then some.
Click to expand...

Yep. Did this I think i even made a thread about it way back.
 
I have to say. Bonds.. I don't really understand them. I don't even know where I'd go to purchase. I believe I've had this conversation with a friend friend and on this forum. Obviously it still hadn't sunk in! :D
 
413x said:
I have to say. Bonds.. I don't really understand them. I don't even know where I'd go to purchase. I believe I've had this conversation with a friend friend and on this forum. Obviously it still hadn't sunk in! :D
Click to expand...
A lot of people who buy them don't understand them either
 
throwaway4372 said:
You'd prolly just want a bond fund, but not yet, too far to retirement.
Click to expand...
Its more along lines of..
I get 6.25 pc via my regular saver.
This is holiday money I allocate for spending 1 year later.

Is it better / am I able to move this to bonds? Or basically something better.
 
413x said:
Its more along lines of..
I get 6.25 pc via my regular saver.
This is holiday money I allocate for spending 1 year later.

Is it better / am I able to move this to bonds? Or basically something better
Click to expand...

Stick to the savings account. If your investment horizon is only one year you won't get more than 6.5% with a bond or bond fund without taking on significant credit and duration risk.

Savings accounts a protected under FSCS bonds are not
 
mattx4 said:
Stick to the savings account. If your investment horizon is only one year you won't get more than 6.5% with a bond or bond fund without taking on significant credit and duration risk.

Savings accounts a protected under FSCS bonds are not
Click to expand...
throwaway4372 said:
Keep doing what you're doing
Click to expand...

I thought so.
I wasn't sure. But I didn't think it could be bettered for this use case.

And yes. I'm not old enough to be thinking of bonds for long term yet.
 
413x said:
I wasn't sure. But I didn't think it could be bettered for this use case.
Click to expand...
Depends if you pay 40% tax on the interest or not.
mattx4 said:
Stick to the savings account. If your investment horizon is only one year you won't get more than 6.5% with a bond or bond fund without taking on significant credit and duration risk.
Click to expand...
Tax makes low coupon short dates gilts better for some.
 
200sols said:
Depends if you pay 40% tax on the interest or not.

Tax makes low coupon short dates gilts better for some.
Click to expand...
^this. Though I think for most people - as per my earlier comment - if you're not 100% clear what you're doing, the risk of making a mistake outweighs the potential benefits of gilts.

Between non-taxable premium bonds and high rate regular savings accounts, there are decent options out there besides gilts even for >=40% taxpayers.
 
200sols said:
Depends if you pay 40% tax on the interest or not.

Tax makes low coupon short dates gilts better for some.
Click to expand...

We are generally talking sums under 500 a year in interest.
But this is mainly due to that 500 a year interest allowance.

I have to be careful now to not go over this as I have a 3 year fixed rate bond at 4.8pc that matures in this coming December that accrued 200 interest a year
My regular saver also accures about 170
Plus I get random interest from my current account.
Anything else I put in my isa which is t212. It's either 5pc or 4.8 right now.
 
Last edited:
413x said:
We are generally talking sums under 500 a year in interest.
But this is mainly due to that 500 a year interest allowance.

I have to be careful now to not go over this as I have a 3 year fixed rate bond at 4.8pc that matures in this coming December that accrued 200 interest a year
My regular saver also accures about 170
Plus I get random interest from my current account.
Anything else I put in my isa which is t212. It's either 5pc or 4.8 right now.
Click to expand...
Yeah, IMO you are nowhere near a situation where it would be worth looking at buying individual gilts (bond funds as a percentage of your retirement portfolio is a totally different conversation).

It's really something that can help when you're paying enough tax on interest that it's worth the time and effort.
 
Haven't checked my pension in a while or changed the funds it's in but it seems to be doing well (what would I know though). Do people post their figures here or just say it's doing well?

Having to sort my life out as divorce stuff is coming up as well as sorting out life insurance stuff, pensions, wills and at some point start savings (life after marriage eh)
 
You must log in or register to reply here.
Back
Top Bottom