Choosing the best fund for you

You really need to take a long-term view when choosing a pension fund to make provision for retirement. You can gain extra time to ride out any short-term under-performance by using pension fund withdrawal. And this gives you more fund choice.

To achieve a geographical spread of funds, you can select personal pensions with a multi-fund or 'umbrella' structure. These allow you to choose a number of different funds from different managers and to hold them in a single personal pension.

It is essential that you check your pension fund's performance once a year. If you would like to review your current pension arrangements to enhance your retirement provision, please e-mail or contact us for further information.

When planning to retire you should seek independent financial advice and consider all of the options available. There is much more than just the option of converting your pension into an annuity at retirement. This may well be the correct thing to do but you should consider the other options like Drawdown or Unsecured Pension Income or Phased Retirement.