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The secret to pension performance… do nothing

  • Mark Donnelly
  • August 16, 2018

Doing nothing might sound counter intuitive but all the market data says you should do exactly that when it comes to investing your pension.

What’s more, it’s a widely held secret within the investor community.

But what does doing nothing mean? well it really means let the market work for you through ‘passive’ investing.

Passive investing is simply tracking the market. The opposite is ‘active’ investing.

Active investing attempts to second guess the market by trying to pick out the best assets and time when is the best time to sell and get out. Rarely fund managers pull this off – in fact market data in the US shows that 97% of the time they come off second best.

Sit back and watch your savings grow

The stock market will go up and down over time – that’s a fact. It can have periods of stability and volatility. However, a passively invested portfolio in the long term will grow – so our advice is to ignore any short term movement and let the market work for you.

Don’t forget the cost of investing

Passive investing is also cheaper – this has a big role to play in the performance of your pension. Lower fees means more of your money stays in your portfolio – which is then re-invested and builds up at a higher and faster rate. It all adds up to a better return… for you.

Time to change the way you invest your pension?

It’s possible for you to cut your costs, increase your returns and think less about how your pension is performing. Brite offer low fee, passive investing for UK pensions. And, you can also choose the level of risk you are comfortable with – allowing you to sit back and look forward.

Find out more about how we invest.

If you’d like to discuss the performance of your UK pension and your current charges please contact us and one of our advisors will get in touch to help you.

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Regulation

Brite Advisors Pty Ltd. is licensed in Australia with the ASIC (AFSL 337670). The Brite Advisors SA (Pty) Ltd is registered with the FSCA in South Africa under FSP number 51690. In the UK, Brite Advisors (UK) is a trading style of Basi & Basi Financial Planning Ltd. which is authorised by the Financial Conduct Authority (FRN 513993). Brite Advisory Group also has numerous pensions schemes, administered in Hong Kong, UK, Gibraltar and Malta.

Brite Advisory Group has taken all reasonable steps & care in producing the information & statements issued on this website and accept no responsibility or liability for any errors, omissions or misstatements. Brite Advisors and its representatives have provided opinions, forecasts and recommendations based on information available at time of issue and hold the right to change their judgement and assumptions at any time and without notice.

There is always risk involved in purchasing financial products.

There is no guarantee of the future performance of financial products regardless of previous performance.

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