What Growth Should I Aim For?
Choosing the right level of growth for your pension investments is one of the most important parts of retirement planning. Too cautious, and your savings may not grow enough. Too aggressive, and you may be exposed to unnecessary risk. The key is finding the right balance for your goals and timeframe.
🟩 Your Timeframe Until Retirement
The longer you have until retirement, the more time your investments have to grow and recover from any short-term market changes. If retirement is many years away, you may be able to take a little more risk to aim for higher long-term growt
🟩 Your Personal Comfort With Risk
Everyone’s comfort with investment risk is different. Some people prefer a steady approach with lower volatility, while others are happy to accept more ups and downs for potentially higher returns. Your investments should always match your personal comfort level.
🟩 Reviewing Your Current Pension Funds
It’s important to review what funds you’re currently invested in. Different funds carry different levels of risk and growth potential. Some may be too cautious or too adventurous for your stage of life.
🟩 Spreading Risk Through Diversification
Good pension planning spreads risk across a variety of investments. Diversification helps smooth out market ups and downs while aiming for steady long-term growth.
🟩 Keeping Your Plan Under Regular Review
The right growth target isn’t something you set once and forget. Life changes, markets move, and your goals may shift. Regular reviews help ensure your investments stay aligned to your evolving plans.
You don’t need to figure this out alone. I’ll take the time to explain everything in simple, clear language, review your existing pensions with you, and show you what steps you can take to strengthen your retirement plan. No jargon. No pressure. Just expert advice tailored to you.
Book Your Free Pension Health Check
The value of investments can fall as well as rise and you may not get back the amount originally invested.