Pension growth - any good?
Discussion
Gio G said:
Hi all,
Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
Hi, I would be pleased, I am at 14% for the year against an assumed pension industry assumption that growth is 7% pa. So i would be very happy with shy of 19%!Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
-DH
Gio G said:
Hi all,
Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
Sounds pretty good for 12 months. Does this include any contributions made?Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
Gio G said:
Hi all,
Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
That'll upset some on here; pensions are a sGot my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
t investment, apparently. (Mine's done a touch over 15% on a 'low risk profile' portfolio, FWIW)DocArbathnot said:
Gio G said:
Hi all,
Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
Sounds pretty good for 12 months. Does this include any contributions made?Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
Well said.
I fell of my chair when I finally had a good look I to the performance of my pension over a 5 year period.
The charges the IFA company were taking was a joke. Would have amounted to a 4 bedroom house in the South East after 35 years!
So I now run my own SIPP in the Hargreaves Lansdown wrapper.
90% in one fund - the Vanguard Life Strategy 80% fund.
Simples.
I fell of my chair when I finally had a good look I to the performance of my pension over a 5 year period.
The charges the IFA company were taking was a joke. Would have amounted to a 4 bedroom house in the South East after 35 years!
So I now run my own SIPP in the Hargreaves Lansdown wrapper.
90% in one fund - the Vanguard Life Strategy 80% fund.
Simples.
Gio G said:
DocArbathnot said:
Gio G said:
Hi all,
Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
Sounds pretty good for 12 months. Does this include any contributions made?Got my monthly pension valuation today and noticed that Year to date, my pension had grown by around 18.9%. Had some good growth recently in the last few months.
Is this something I should be pleased with given the current climate, or could I be doing better?
You can't really the asses how good thta return is without knowing what you've been invested in. Many high risk investments will have good spurts of performance, but will equally have some difficult patches.
If that's a relatively cautious investment I'd say its a great result, sadly not one you're likely to see every year!
If that's a relatively cautious investment I'd say its a great result, sadly not one you're likely to see every year!
CaptainSensib1e said:
You can't really the asses how good thta return is without knowing what you've been invested in. Many high risk investments will have good spurts of performance, but will equally have some difficult patches.
If that's a relatively cautious investment I'd say its a great result, sadly not one you're likely to see every year!
You raise a good point - So the pot is invested in fairly risky (9-10 rated) funds - emerging markets etc.. If I take out the contributions made by me and my company, I reckon an overall 44% growth in the last 9 years. If that's a relatively cautious investment I'd say its a great result, sadly not one you're likely to see every year!
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