A pension is a wrapper that holds the Abundance With Money Review investment funds such as insurance funds and unit trusts in which the value of your pension is invested. UK private pension and occupational pensions usually have a very limited choice of investment funds to choose from. Very often the pension holder would only have the choice of investing in funds managed by the insurance company that also provides the pension wrapper.
This restriction can have the effect drastically reducing investment performance. By being able to choose from the whole market via a QROPS you are giving yourself a much better chance to substantially improve your investment performance, the size of your pension pot, and in turn the income that you receive in retirement.
The top ten UK equity funds over a 3 year period to 7th November 2011 returned an average of 109%. The bottom ten returned produced an average return of 17.87% over the same period. Source. Investment Managers Association UK. All Companies from 156 funds.
Of course it is not possible to see into the future and know which investment fund will outperform. However certain fund management groups do excel in certain sectors i.e. XYZ may be consistently be in the top ten of US equity funds but it may have a poor long term performance record of in a number of other sectors such as UK Commercial property, UK Equities and Corporate bands.
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