Which Pension Funds Consistently Under Perform?

Figaro's Fund Analysis of a fund manager's past performance; quantifies how much value  a fund manager’s investment style has added during both favourable and unfavourable market conditions. 

Pension Performance Table

Zurich Balanced Managed   fund out-performed the Balanced Managed Sector on 76% of occasions, on average adding 2.81% p.a.     

Scottish Provident's Managed  fund under-performed the Balanced Managed Sector on 76% of occasions, on average losing   2.51% p.a.       

  Low Pension Charges

Stakeholder pension plans were introduced by the Government to offer investors a ‘no‑frills’ and therefore low cost pension plan.  The introduction of these plans had the effect of bringing down charges on non-stakeholder plans.     

If you have an old, out-dated pension plan with high charges you should probably transfer your pension fund to one with lower charges, or one that offers access to a wider range of the best funds.    

Charges should not be seen as the deciding factor on choosing a pension; as having access to the best funds will probably have an even greater effect on your retirement income. However, the old style pension fund above under-performed the Sector Average on 96% of occaisions, losing on average 8.40% p.a.