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Smart Pension's Investment Performance Report Explained

Welcome to the Investment Performance Report for Smart Pension. It shows Smart Pension has delivered a good investment performance to the end of 2016, with four of our default funds beating their benchmark over the last 12 months. Most of our members are invested in default fund 1, which returned more than 19% in 2016 despite the effects of Brexit on markets. Read our latest report.

How We invest

Effective Lifestyling

We created default funds to suit members' needs through their working lives.

High Quality Investments

We use funds which are cost-effective and provide the purest form of index tracking.

Diversification

We split investments across different geographical locations and use investment funds holding large numbers of stocks and shares.

Performance

Aims for higher growth, but incurs more risks with higher volatility.

Aims for a more conservative approach with lower risk.

Aims for a balance between growth and risk.

Aims to defend pension value with lower risks and lower growth opportunity.

Aims to track the performance of a world index, through investment in a diversified portfolio of securities, which meets Islamic investment principals interpreted by the Sharia Committee.

The Funds We Include

Each default fund contains a mix of investments. A fund pools together the money from investors and invests into different assets e.g. cash, bonds, equities. We spread members' pension pots across large numbers of shares to reduce the risk of any one investment under-performing. We do this by using a type of unit trust called Exchange Traded Funds or ETFs that are particularly cost-effective. These charts show the regional allocation of the investments in a default fund. We split investments between different geographical locations to reduce the risks. This is called 'diversification'.

Asset Allocation of the investments in Default Fund 1 Asset Allocation of the investments in Default Fund 2 Asset Allocation of the investments in Default Fund 3 Asset Allocation of the investments in Default Fund 4 Asset Allocation of the investments in Default Sharia Fund

What We Invest

Lifestyle Default Funds

The Default Funds allocate members' pension assets depending on their age and time until retirement. There are four Default Funds: 1, 2, 3 and 4. Most members will be invested in Default Fund 1 which is designed for men and women up to the age of 58 years. As members get older, they will progress through the other Default Funds until retirement. In most of a member’s working life we are choosing investments to grow value whilst they can afford to take more risk. Then, as a member approaches retirement, we reduce the investment risk by using a different mix of investment assets. This is called a 'lifestyling ' arrangement.

Asset Allocation of the investments in Default Fund 1 Asset Allocation of the investments in Default Fund 2 Asset Allocation of the investments in Default Fund 3 Asset Allocation of the investments in Default Fund 4 Asset Allocation of the investments in Default Sharia Fund

Read Smart Pension's investment report as at 28th December 2016

Investment Performance Report

Read Smart Pension's investment report as at 28th February 2017

Investment Performance Report

Read Smart Pension's investment report as at 28th April 2017

Investment Performance Report
Legal Disclaimer

The value of investments may go up or down due to fluctuations in currencies, financial markets and other risk factors. Default funds may not fulfil their objectives; performance is not guaranteed and future performance may not be in line with the past. This page has been created by Smart Pension and is valid at the date it is published. It has been created for general information only and does not constitute specific legal advice or opinion. You should not rely on any of the information contained within this page without seeking further advice from qualified investment advisers. The facts and data contained in this report shall not be copied, made available, reproduced, extracted or published within your business, for commercial purposes, or to the public or any other purposes unless Smart Pension gives you consent.

While we regularly review information and material provided on our website, and take steps to ensure it is easy to understand and accurate, we do not provide any guarantee or warranty in relation to material on our website or accept liability for any errors, incompleteness, inaccuracies or omissions. Should you find an error, please email us immediately at content@smartpension.co.uk to alert us.

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