Pension Fund Management
Most people don’t manage their pension fund at all, merely trusting in the pension provider. As your pension fund is likely to be your largest asset in the long term – it has to be if your retirement income is to be adequate – we feel it merits rather more active effort.
We treat pension fund monies with the same careful and tailored approach we apply to investment portfolio management, drawing on our particular experience of long-term investment strategies.
As before, our knowledge that ‘best returns are achieved by diversifying between the best fund managers, each investing in their own area of proven ability’ governs our approach. Above average returns without above average risk can thus be achieved.
Your fund should be restructured over the years to take account of the reducing term to retirement and should be invested to produce pension income at retirement.
There is now no need to buy a guaranteed income for life that can die with you – but to avoid doing so needs careful risk assessment and a thorough understanding of your affairs.
Our ‘personal service is paramount’ attitude ensures correct action.
“Baigrie Davies has run my pension fund for 12 years. From equity funds to buying your own office block, they’ve controlled the risk and achieved real growth. They’ve shown me that the best don’t always charge the most and that managing investments only works properly if your adviser is interested in you, not just your money.”
Denise Wyatt, Director TravelSave Tour