Company Pension planning options

We regularly look at the company pension funds of prospective and existing clients.

95% of the time our analysis shows they are in poorly performing funds which only seem to "get ahead" as there are both employer and employee contributions being made. Without these regular contributions, they would be little to no growth.

But no-one seems to notice or care....except us.

If this is you, you have 3 options:

1. Stay as you are, grateful for free money going into a stagnant pot.

2. Provide us with the full range of the funds available to you and we will advise you, for a one-off fee, what alternative funds might be better.

3. If there are not any serious alternative funds available, transfer 95% of your pension fund to a provider with better fund choices but keep 5% with your employer's scheme to keep receiving the free money.

Unless you are very wealthy or you require very low levels of income in retirement, you need to make all your pension funds work hard for you. You should NOT feel duty bound to stay in a poorly performing company pension fund, just because your employer is paying free money into it.

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