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Pensions

Key points

Investment performance – regardless of whether you are cautious or adventurous, or more likely somewhere in between, it is important to obtain the best return on your money relative to the level of risk you are comfortable with.

Flexibility – Your circumstances will change and you may need to increase or decrease, or stop and restart your contributions. You may need to switch your investment selection perhaps to make it more cautious leading up to retirement. You may also need to take benefits earlier or later than originally intended. It is important to select a plan that can be simply and cost effectively altered to meet your changing requirements.

Service – having a good service from both the pension provider and the IFA handling it are important. These days the better pension providers allow online access to a number of services and this can enable the adviser to be much more efficient and proactive giving you a better service for your money.

Charges - The biggest cost to most investors is not the charges but the cost of poor performance. However it is also important that you don’t pay more than you need to, to secure the flexibility, service, control and performance you require.

Reviews - It is important to remember that whatever was the best performing Pension fund over the last 1, 3 or 5 years is not necessarily going to be best next year, so whatever fund you are invested in will need to be reviewed from time to time to make sure it is still up to scratch.

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