For years people have been worrying about their pension funds because of negative press about under performing pensions both personal and company and a lack of clear information regarding Pensions. This has resulted in a negative view of Pensions in general.

The importance of the investment element of pension plans has been underestimated instead the concept of the Tax benefits alone has been the major driving force.

The HART Pension Performance Programme looks closely at the charging structure, investment content, financial strength and tax advantages to increase the overall growth and reduce the risk of your pension funds.

Through the use of detailed computer modelling, the HART Pension Performance Programme provides an initial analysis of your existing schemes focusing on charges, financial strength and performance of the underlying assets if you become a client of HART this is monitored on a regular basis to optimise your funds in retirement. We follow proven methods of successful long term investing, providing our clients with the means to meet their retirement objectives. The key areas of our process are as follows:

Different investment types tend to rise and fall in value at different times, e.g. Over the past few years the housing market has risen while the UK stock market has fallen. Harry Markowitz was awarded the Nobel Prize for his work Showing that asset allocation is the most important factor in determining the performance of investment portfolios* a method that we adopt within the HART Pension Performance Programme.

* As shown by studies such as "Determinants of Portfolio Performance II: An Update," Brinson, Singer & Beebower (1991)
^ Harry M. Markowitz (b. 1927) was awarded the Nobel Prize for Economics in 1990 in conjunction with Merton H. Miller & William F. Sharpe for "their pioneering work in the theory of financial economics"

We provide our clients with an optimal mix of assets giving a higher potential return for any given level of risk and steadier investment growth than would otherwise be expected.

After assessing a suitable asset allocation mix for you, it is important to choose the most appropriate pension provider and fund managers who provide funds within each sector. By selecting those pension fund management companies with special areas of expertise and those fund managers with a history of strong performance, an effective combination of funds can be compiled.

For more information, ring us on 01722 413348 or send us your details via email on This e-mail address is being protected from spambots. You need JavaScript enabled to view it