Call today 041 988 8043 Email
client login

Episode127: What If My Pension Fund Doesn’t Perform?

informed decisions blog

Episode127: What If My Pension Fund Doesn’t Perform?

4th March 2019

Paddy Delaney


Hope all is well?! Last week we shared some ideas on the best way to accumulate €1m, and whether a deposit regular savings account or a pension route might be the most effective way of doing it. We analysed these two routes and factored in deposit rates, pension fund returns, fees and charges and various tax rates that apply to both and how they will impact on the end result. As always, it pays to begin with the end in mind! This week I hope to share ideas on how to select a suitable investment fund, how to avoid common mistakes, and how to deal with the consequences of funds not performing as you may have hoped.

If you have read or listened to last weeks’ episode you will recall that based on realistic assumptions that the pension route would stand to be in the region of €400,000 more effective than a deposit account! A large portion of this net euro benefit was as a result of the tax reliefs (currently) available to ‘Sam’ on the contributions made to a pension. The remainder of the net euro benefit came from the average annual return that the pension delivered to ‘Sam’. I received a lot of emails from individuals on that last episode, some expressing surprise and some seeking further information. One of the questions that was put to me was, ‘Well what if the fund I am in does not deliver the 6% return, or indeed if it is negative returns for a long period of time’. In my experience at least this is a very real concern that many have, and feel quite uncertain about it, so lets explore.

Thanks for listening,

Paddy Delaney QFA RPA APA

next steps

Work With Us

If you would like to get in touch to learn how we can help, please complete the form below and we will be in touch in confidence shortly.

While we would love to help everyone we offer our service to individuals and business owners who have accumulated €300,000+ of investment and pension assets, and who are aiming to retire within 10 years.

The details collected in this form will be used so that we can contact you in relation to your query either by telephone or email. You can read our privacy policy here.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.