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How to compare pension fund performance

Review past returns alongside risk, charges, asset mix and the period measured.

Past performance is not a forecast

A fund with the highest historical return is not automatically suitable for you. Compare funds with similar mandates, currency and risk exposure, and use matching dates and consistent treatment of fees.

Research fieldWhy it matters
Fund / share classA similar name can hide different costs or mandates.
1, 3, 5 and 10-year returnsUse a matching end date; distinguish cumulative from annualised returns.
Risk and asset mixHigher returns may come with larger falls in value.
ChargesEstablish which charges are already reflected in returns.
Source dateRead the current provider factsheet and key information.

Bring the source documents into your review

This site does not publish an unsourced live performance league table. Use current provider factsheets for historical figures and request help interpreting them alongside your pension contract.

How we handle research and comparisons →

Last reviewed: 21 September 2026. Rules depend on your circumstances.

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