Many people are simply too busy making money, to make their money work for them. This is true when money is left in under-performing funds for long periods or tax saving opportunities are missed. You must take the management of your money seriously to get your money working for you. The investment options open to pension funds are now greater than they have ever been. You may have amassed a large fund and feel that you are stuck with the pension company that you were recommended 10 years ago who have since lost their touch. If you have (or transfer to) a self invested personal pension you have access to a vast selection of funds and managers. The SIPP can even borrow money in order to purchase commercial property thus increasing the potential returns. For more information, go to our property section. You should have a pension investment portfolio that conforms to your level of risk acceptance, ethical considerations, investment and personal objectives. The portfolio should be diverse to reduce risk. Asset allocation The key to successful investing is to invest in the right spread of assets or ‘asset allocation’. This means investing in a mix of: Cash Shares Property Gilts and bonds Alternative investments Different types of assets behave differently in different economic conditions and you should spread your investments to improve your potential for making profits and reduce the risk of making losses. We use a stochastic modelling system which takes historic data, uses information on the current economic and market position to model future performance. Key factors include inflation, economic growth and long-term projected investment returns. Where we advise our clients on investment of pension assets, we recommend portfolios to reflect their attitude to, and tolerance of, investment risk. These portfolios change as the client nears retirement to reflect reduced investment time horizons and the client’s plans for taking pension income. Whether you’re a business owner looking to purchase premises, a financial expert or a pension investor looking for a better return, the investment choice offered by SIPPs will prove to be an attraction. Managing your SIPP investment is a perpetual process where your objectives need to be regularly questioned and investments selected to complement your goals. At i-SIPP we take great pride in our investment services and will be pleased to work with you in constructing your portfolio. Please contact us through our contact area.