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You can choose to get a review on an existing pension and/or enquire about setting up a new plan.
Irish pension managed funds continued their good work of late by delivering further positive returns as of end 2023. But which fund managers are providing the best returns over different time periods?
Use our interactive graphs below to compare performances.
Firstly, we compare the best pension performers for mixed asset funds (i.e the most common generic funds in most pension funds)
This is all good news for those who held their nerve after their funds suffered heavy losses in 2009 and it shows the importance of taking a long term view on pensions and all investments for that matter.
Many people on the advice of some decided to switch to cash funds when the worst of the falls had already happened and they continue to sit in these cash funds making a return of next to nothing, especially when inflation is taken into account.
It shows the value of constant reviews with your financial advisor to make sure you are in a position to benefit from any possible upturns. Many of these managed funds have now largely recovered from these losses and are back in positive territory.
Should your 10 years+ investment (or pension) time horizon be focused on generic mixed asset funds – or should you be diversifying into more specific fund choices?
Below are some options…
Compare the higher growth / higher risk opportunities
Zurich vs Irish Life – Compare the two big beasts in the market
Compare best managed Equity focused pension investment plans
Compare the best tech-focused Irish managed pension/investments funds:
Get your own pension review by using the online form below
We can help you can choose whether you should look at technology and/or global equity as part of your existing investment plan and/or enquire about setting up a new plan.
If you look at the 10 year returns from the mixed asset funds graph on the top, it shows average growth of 8.3% over the 10 year period. If you compare it with deposit rates being offered by the banks it is clear that pensions offer a very healthy alternative and that is even before the tax relief is taken into consideration.
Fund manager birds of a feather flocking together?
Notwithstanding the clear differentials in the performances in the graph above, when the same data is grouped over the last ten years it shows both a consistent and recent upward trajectory (see graph below).
It also shows a remarkable convergence in funds performance across different managers over the longer term. This underlines the need for expert financial advice when choosing a pension provider as short term outlier performances can be misleading. There are also many other considerations including appetite for risk and management fees which need to be analysed.
If you would like a quick check of your own personal pension circumstance, just complete whichever form below and we can look at doing a review of same. Of course if you would like to start a pension, you have come to a good place too.
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