Where is my personal pension invested?

I have a couple of company pensions from previous employers but I’m not sure how well they are doing. How do I find out where my pension funds are invested?

Question asked by Simon Knowles
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Answered by Andrew Jenkinson

That depends on the type of pension you have.

If you hold a defined contribution or money purchase pension, your pension pot will usually be invested in a fund or multiple funds.

What type of funds is my personal pension invested in?

These funds would usually hold stocks and shares (both UK and overseas), bond, gilts, property and cash. It is your responsibility to ensure your selected funds match your appetite for risk. A financial adviser can provide pension advice to help ensure your fund selection is appropriate.

Final Salary pensions are a promise

If your retirement benefits are held in a final salary scheme then the investment strategy is the responsibility of the scheme trustees. It is down to your employer to make good any shortfall in funding.

Please feel free to get in touch to find out what type of pension you have and the funds your money is invested in. We are able to request this information from your pension schemes administrator on your behalf.

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pension fund performance
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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