Superior investment performance

You may have noticed that some investment funds seem to perform badly, year after year, whilst others continue to consistently out-perform the market. Pure chance? Not necessarily. A structured investment portfolio can be designed to produce an ideal balance between risk and reward for each person’s circumstances and requirements.

All funds are equal, but some are more equal than others

Of all the insurance companies that offer personal pension policies, most offer policyholders the choice from a wide range of investment funds. Most policyholders invest in just a single fund – more often than not, a managed fund.
Most people who approach The Pensions Office for a review of their  pension arrangements do so after becoming disappointed at the performance of their pension funds.

Is past performance a guide to the future? 

Given the fact that there are many hundreds of investment funds it is obvious that, over any given period of time, some will have performed very well while others have produced disappointing investment returns. The million dollar question is, “how likely is it that pension funds that have out-performed the investment market in recent years will continue to do so in the future?” Just as importantly a question can be asked, “how likely is it that under-performing funds will continue to disappoint investors in future years?”
Pensions advisers are obliged to bring to their client’s attention the fact that past performance amongst investment funds is not necessarily a guide to the future. However, extensive research has shown that under-performing funds in one year are statistically more likely to underperform in future—especially over the following year or two. 

The Pensions Office service

Identifying likely out-performing funds for the future remains something of a lottery without skilled investment analysis and fund selection. 
Clients of The Pensions Office benefit from ongoing investment advice and fund selection, combined with a regularly-reviewed personal portfolio based on all the major investment asset classes and sectors.