Origins............

During the last 20 years we have reviewed many hundreds of new clients pension arrangements. Only once have we met an individual who regularly looked at the performance of the individual funds within his pensions and adjusted them. Most had made no adjustments since the pension started, 10, 15 or 20+ years before. All, with one notable exception, were seriously compromising the return on their pension savings and so their eventual pension. Some people recognised the problem, but were paralysed by their lack of investment management expertise and the complications of having to deal with several schemes - some with old employers, some personal with different insurance companies.

More or less the same situation applied to our PEP and ISA clients a few years ago. Like many advisers we had spread our clients investments across a number of investment houses and funds. Whilst this achieved a spread it was difficult and time consuming to manage.

To overcome this difficulty we suggested to our clients in 2001 that they transfer their holdings into a contract that gave access to a wide range of funds and fund managers within the one contract. We then put together a number of “standard portfolios” with different objectives and investment risk profiles to cater for the requirements of most of our clients. Virtually all our clients agreed to transfer and their portfolios are now reviewed and adjusted annually.

The service offered by wewilllookafteryourpension.co.uk arises out of our experience in dealing with our PEP and ISA clients. The procedures and software we have developed mean we can annually review all PEPs and ISAs of participating clients and are equally applicable to Pensions. The process of initially reviewing existing pensions is more complicated than for PEPs and ISAs, but the final objective is the same – to make sure our clients’ pensions are invested in good funds appropriate to the amount of investment risk they are happy with and that they are regularly reviewed – in short, to look after them.