Which Fund should I invest my pension in?

Question

I'm looking into other options to invest my pension in. Obviously looking for the maximum return.

Answer 1

i cant tell you how to invest your money because i dont know your tolorance for risk. but if you are young, you could consider being a little more risky with your money, there are greater returns and even if you take a hit, you have plenty of time before you retire to make it up.

but what ever you do, make sure you diversify your portfolio

Answer 2

If you want maximum return, you do it yourself after learning about the stock market, and learning and learning until it becomes you. If you want to be retired, you have someone you trust do it for you. Can you trust the funds that you would put your money into that they will give you a profit or at least meet inflation protection? This is the unsurity. So you might select a vehicle that has lower risk or some guarantee of your return if the way that fund makes money falls apart while you aren't paying enough attention to it. You won't lose all your money, but you could lose the present day value of that money if it's return does not at least match inflation for your income purposes. There are some guaranteed annuity products out there that allow you to invest and protect at a percentage growth if your investments fail. Some offer more than others. Some companies are more reputable than others in as much as they have big assets and have been around and trusted for many many years. If you have a lot of money and are from some privilidge, you may be able to get into some hedge funds, some of them are closed to investors. But a mutual fund is pretty much the key if you don't want CDs. But CDs can fetch 5% now guaranteed. So they are not a bad deal and are guaranteed! Maximum return comes with risk. You have to really be willing to watch the returns and second guess why your money is going up or down. Sometimes you will be on the money. Sometimes not. Sometimes there will be investors who just manipulate the market with their wealth, buying large sums of stock to run up the price and then dumping them to make you get out dropping the price and then buying back in at a lower price. If you learn the stock market, you can do that yourself and follow your profits. Like I said though, you said you wanted to retire. That's work.

Answer 3

You don't say whether you are looking for returns in the form of capital gains, or in terms of cash flow. Are you retired, or have you just started working? How much risk are you willing to tolerate in the search for "maximum returns"?

These are some of the questions you will be asked if you speak to a *good* financial adviser, the answers to which you haven't supplied in your question. It is always good to invest in your own financial/ investment education, at the very least to the extent that you will be able to recognise good financial advice when you hear it.

Answer 4

Consult your pension provider. They can assess your attitude to risk, which must be very high if you are prepared to take unqualified investment advice from the net.

The pension provider at least will have, or recommend, a qualified investment advice suited to your own individual needs and requirements. Money is hard to come bye don't spoil the benefits it can bring with poor advice.

Answer 5

CDs are an awful deal as are any guaranteed annuities/ wrap mutual funds. Just offsetting the comments above. Nor is massive research needed or of value. Not that much to know to invest. Diversification easy know with etfs along with the classic closed ends. ADX-big cap us PEO- energy stocks. Both sell at around 10% discount to asset value unlike mutual funds. EWA-Australian resources highly coveted. PGJ-China but watch out. Volatile. IAU-gold. Not a gold bug but writing on the wall for large increase. EFA-good global sector fund. SNH-a reit that is a solid total return vehicle. Plenty to start with. Feel free to contact via answers with qs.

Answer 6

Forget annuities--you won't get as good a return over time with ANY kind of annuity.

Just invest your money into a diversified batch of good no-load no-transaction-fee mutual funds. A good start would be:

50%--Largecaps
20%--Smallcaps
20%--Foreign
20%--REITs

If you want to decrease your risk a bit, add a short-term or intermediate-term bond fund to the mix.

Answer 7

i don't like the sounds of high risk

maybe a trust fund account they put in 50% each year extra and the persons who is holding the account for you gets 10% of of profit but you have to keep it in there for the agreed time which is totally up to

shares might be good idea think of areas that will bloom.......ipod, ethanol, i sure you can think of some type shares on the internet search

i really know not much about this stuff

Answer 8

Hmm...wager I neglected the position in that article the position it says they invested in Bain. no man or woman ever reported that pensions do not make investments in inner most fairness corporations as area of their portfolio. and that i don't have self assurance that inner most fairness corporations in and of themselves are evil or undesirable. purely pointing out that for Romney to say that what he did to a mess of businesses (close them down and hearth people) is a qualification to be president earrings slightly hollow.

Answer 9

Take a look at the CHIANTIMAN HIGH RISK FUND