Some investment advisers, journalists and commentators believe that all with profits funds should now be consigned to history. They suggest the idea is old-fashioned and out-dated and has no part to play in the modern investment environment. 

 The Pensions Office does not agree with this view.

There are a number of strong with profits providers and, just as we are not afraid to name ‘the bad guys’ we feel it only fair to make mention of a few with profits providers we feel to be much stronger.

In our view, supported by external independent research, these include:

           Liverpool Victoria Friendly Society 
           Prudential 
          Scottish Amicable 
           AVIVA / CGNU / Norwich Union  

We will keep adding to this list over the next few weeks and, perhaps, taking one or two away if they change direction.

Please note, though, that we are not suggesting these with profits funds will produce excellent or even very good returns for policyholders in future years; we are simply expressing our opinion that, as with profits funds go, these are amongst the strongest.

If you want confirmation of whether your with profits provider is on our ‘good guys’ or on our ‘bad guys’ internal list…….

Or if you want to reconsider investing in with profits funds, regardless of the strength of your provider……