We are authorised and regulated by the Financial Conduct Authority
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How your savings are invested matters
The majority of our clients ask us to invest their remaining pension in a modern, tailored portfolio. And over the past 10 years our portfolios have consistently beaten the industry benchmark.1 This is important because how these investments perform has a significant impact on the size of our clients’ pension pots later in life.
1Source: FE Analytics. When we talk about the benchmark we are referring to an Investment Association average composition that matches the risk rating for your portfolio. It’s important to remember that past performance is no guarantee of future results.
Three ways to invest your pension savings
When it comes to personal pensions the aim is to grow your investments as much as possible. There are three main approaches:
The predictor
Trying to predict the future is still the most common approach. The question is: are you happy for your pension savings to be invested based on what is essentially guesswork?
The tracker
Tracker funds aim to replicate the performance of a specific slice of one stock market (called an index) because history shows us stock markets have always risen over time.
The Pension Access
Our approach is about being disciplined, using: technology; a broader spread of investments, and scientifically proven facts to improve on the tracker philosophy.
The aim of our investment strategy is that more often than not the investments you make through us will beat the average market return by a small yet significant amount.
Average index return.
Average tracker return.
Important: pension savings can go down as well as up. Past performance is not a reliable indicator of future results. Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement. That’s why it makes sense to talk with a regulated adviser, such as Pension Access, first.
Understanding annuities: a comprehensive guide to retirement income
Inflation, pensions, and gilts
Pros and cons of consolidating your pensions
Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 304 7600. Email: pensionaccess@harbourrockcapital.co.uk
Your FREE information pack contains all the information you need to make an informed decision on wheter or not taking tax free cash from your pension is right for you.
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Note: We are unable to advise on the state pension or any pension you are already taking an income from.
PRIVACY POLICY
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What's in your info pack?
Taking pension money early isn’t right for everyone because it could leave you with a lot less to live on in retirement. That’s why it makes sense to talk with a regulated financial adviser first.
There is no obligation at all and if you choose to get a check of your pensions then we also include a pre-paid envelope and a consent form so we can access details of your pensions.
Your FREE information guide contains all the information you need to make an informed decision on whether or not taking tax free cash from your pension is right for you.
We're on hand in case you have any questions, and we aim to make the process of withdrawing cash from your pension as simple as possible.
We are regulated by the Financial Conduct Authority so you can rest assured that any advice we give will be based on your best interests.
Get your FREE info pack
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