PFA recommends investment profile C
When it comes to risk appetite, everyone has their own preferences. The selection of an investment profile has an impact on your pension savings and thus your future, and therefore the relationship between risk and return should also be what is right for you.
We recommend that our pension customers choose profile C, as it is our assessment that for the clear majority of customers, this profile has the most appropriate balance between risk and return.
That said, we are always aware that the selection of an investment profile is a matter of personal temperament and that it also depends on the state of your finances. Therefore, investment profiles A and B may be what are right for those of you who have less risk tolerance - and investment profile D would be for those of you who want to invest your savings hoping for a higher return. Even if this comes with a higher risk of incurring losses.
In all the profiles, the long-term return will typically be higher than traditional pension savings in the average interest rate environment. The advantage of the profiles is that we have more freedom when it comes to investing – which is for your benefit. After all, having more freedom to invest means the potential to generate better returns.
Get a recommendation immediately
A, B, C or D? Which profile is the right one for you? You can quickly get an impression of this by answering a few questions at My PFA about your expectations for return and your risk appetite. All you need to do is log on to My PFA and find the guide under Investments.