Our investment philosophy

Why being disciplined counts
We are authorised and regulated by
the Financial Conduct Authority
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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:

Graph showing investment performance
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.

The disciplined investor:

why it’s your best route to pension happiness.
0800 009 3388
Mon-Fri 9am-5pm


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
© 2024 Pension Access. All right reserved.
What's in your info pack?
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.

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    Keeping in touch

    We'll send you updates by email or text message. One of our specialists may call, just in case you have any questions about your pension. We’re big believers in never bombarding people with calls.

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