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Our investment philosophy

Why being disciplined counts

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Multigenerational family out for a walk | How your pension savings are invested

How your savings are invested matters

Our clients' money is invested in a modern, tailored portfolio. And over the past 10 years, the portfolios we have designed with our selected providers have consistently beaten the 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 each of the portfolios we offer. 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 first.

The disciplined investor:

why it’s your best route to pension happiness.

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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 009 3388. Email: pensionaccess@harbourrockcapital.co.uk

Our investment philosophy

How your savings are invested matters

Three ways to invest your pension savings

The predictor

The tracker

The Pension Access

The disciplined investor:

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