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

[jaybee]

It's still up over 12 months by like 1%.
I checked some of my other pots and they're between 2-7% up over 12 months.

 

[banja]

It will never be a straight line up. There would be no equity premium if that were the case.

The previous 5 year growth line of my plan has a fairly even trajectory, going up and down, long term increasing. But there is a clear anomalous drop from February this year.

I fully expect it will bounce back and return to its former growth eventually. Perhaps that return to consistency will coincide with the demise of someone state side.

 

[banja]

Just checked mine and it's down 6% over the last month. Mine is in the medium to high risk profile as is at the earlier stages of the plan cycle I am in. Would lower risk would not have helped much?

My brother is on the same plan as me but a lower risk. His has dropped less % wise.

 

[jaybee]

My brother is on the same plan as me but a lower risk. His has dropped less % wise.

Something to keep in mind. I will have to dig deeper and try to understand the makeup of my pots and how they are invested.

 

[booyaka]

My brother is on the same plan as me but a lower risk. His has dropped less % wise.

That's completely normal and to be expected.

Lower risk reduces the potential falls, but also obviously limits the upside when markets rise.

 

[200sols]

The previous 5 year growth line of my plan has a fairly even trajectory, going up and down, long term increasing. But there is a clear anomalous drop from February this year.

I fully expect it will bounce back and return to its former growth eventually. Perhaps that return to consistency will coincide with the demise of someone state side.

The last 5 years have been anomalous, growth has been much higher than the long term average. Of course that could never continue.

 

[banja]

The last 5 years have been anomalous, growth has been much higher than the long term average. Of course that could never continue.

Yes it has seemed pretty good. I had nice steady growth the past year or two. My plan is now back to the value of July '24.

 

[tangey]

Vanguard Developed World ex-U.K and Vanguard all world are both back to 1/3/2024 levels

 

[Skynet5]

Feeling pretty &£@“ tbh.

Just got to remember I’ve got 15 years before I start to think which year in my 60s I’ll retire.

But being 100% in equities has hit me hard.

 

[Zatoichi.uK]

Don't worry. Dips are part of the process. It would be unusual if they didn't occur.

 

[ChrisD.]

But being 100% in equities has hit me hard.

It's perfectly normal. Trump won't be in office when you retire, in fact he'll likely be dead. The market will recover. As you approach retirement you should move away from markets anyway. It's all about the long game.

 

[EvilRob]

Dips are a good thing if you are still investing, as hard as they are to stomach.

 

[FerretBoy]

Dips are a good thing if you are still investing, as hard as they are to stomach.

This is it, I requested a partial transfer from my Workplace pension to my SIPP S&P500 yesterday.

It can take a couple of weeks, so exact timing isn't possible. Felt like a good time to buy with the stronger £.

Clearly it doesn't feel nice, but you want the markets down when you are buying.

Note I have a decent deferred defined benefit pension as a backup.

 

[slinxy]

my default work fund out performed the world tracker part of my pension last year.

 

[dirtychinchilla]

It's perfectly normal. Trump won't be in office when you retire, in fact he'll likely be dead. The market will recover. As you approach retirement you should move away from markets anyway. It's all about the long game.

We live in hope

 

[krooton]

Almost a year later, I wanted to have a look since the markets are taking a hit with all the USA shenanigans.

84% of portfolio - Blackrock Consensus 85 (+42%)
8% of portfolio - Vanguard LifeStrategy 80% Equity (+25%)
8% of portfolio - WS Lindsell Train UK Equity (+64%)

Now tracking at +29%, +10%, and +43%, stupid trade war.

 

[happy_2008]

Rarely monitor mine

 

[Trig]

I dont actively monitor mine tbh, I don't care until I need it, no point getting stressed about some orange bafoon messing with things now when I don't retire for another 18 years, presuming they don't move the goalposts again before then trying to cover up a blackhole...

 

[LeeUK]

Just had word from my old Morrisons pension provider, it goes on about how the trustees have taken out some insurance policy to protect it for the future what ever that means. They go on to say I have the option to take some wind-up lump-sum right now instead if I want to, as long as my pot is under £18K which it will be as I was only paying into it for about 6 years.

Anyone have any experience in this? Obviously I'm no where near retirement age so wouldn't have usually been entitled to it for a long time yet.

 

[danlightbulb]

Just had word from my old Morrisons pension provider, it goes on about how the trustees have taken out some insurance policy to protect it for the future what ever that means. They go on to say I have the option to take some wind-up lump-sum right now instead if I want to, as long as my pot is under £18K which it will be as I was only paying into it for about 6 years.

Anyone have any experience in this? Obviously I'm no where near retirement age so wouldn't have usually been entitled to it for a long time yet.

What type of scheme is it?

In your position I'd be tempted to take the cash out then you can invest it in a scheme of your choosing.