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07.01.2025

⛔ Savers let down as workplace pension funds underperform ⛔

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Nadia Khan DipPFS Cert CII (MP), Wren Sterling

Savers are facing challenges as research reveals that nearly 90% of pension funds have failed to meet standard benchmarks, highlighting a concerning trend in underperformance.

Employers should take note of these findings as they consider offering more support to employees participating in workplace pensions. Understanding the consequences of poor investment decisions is crucial, and demystifying investment options can alleviate fears for many individuals.

Providing guidance and information in this area can significantly impact retirement outcomes for savers. Particularly worrisome is the situation for those in low-risk funds nearing retirement, where withdrawing savings could result in cementing financial losses.

Advisers play a vital role in assisting clients to identify their current funds and comprehend how fund performance influences their retirement strategies. Including retirement timelines, desired lifestyles and financial goals, advisers can tailor recommendations for optimal outcomes.

Advisers expertise is key in ensuring that clients savings generate satisfactory returns, allowing for necessary adjustments to be made when needed.

workplace
group schemes
employer schemes
Pension Consolidation

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Nadia Khan DipPFS Cert CII (MP) Wren Sterling

I am an Independent Financial and Mortgage Adviser and have worked in Financial Services for over 12 years. During my career I gained experience in assisting both individual and corporate clients.…

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