https://abs.twimg.com/emoji/v2/... draggable="false" alt="🚨" title="Polizeiautos mit drehendem Licht" aria-label="Emoji: Polizeiautos mit drehendem Licht">Check your Pension NOW.....https://abs.twimg.com/emoji/v2/... draggable="false" alt="🚨" title="Polizeiautos mit drehendem Licht" aria-label="Emoji: Polizeiautos mit drehendem Licht">

...PLEASE https://abs.twimg.com/emoji/v2/... draggable="false" alt="🙏" title="Folded hands" aria-label="Emoji: Folded hands">

[THREAD https://abs.twimg.com/emoji/v2/... draggable="false" alt="🧵" title="Thread" aria-label="Emoji: Thread">]

I have wanted to write this for a while, I believe it is important.

IMPORTANT
For those of you who are in a pension scheme read on...

For those of you not in a scheme join one - google the tax benefits...!

I have been contributing to a pension scheme for a while now (6 years in this job) https://abs.twimg.com/emoji/v2/... draggable="false" alt="⏳" title="Sanduhr mit fließendem Sand" aria-label="Emoji: Sanduhr mit fließendem Sand">

Been contributing all that time - always thinking:

"Yeah, I& #39;ll check that sometime..."https://abs.twimg.com/emoji/v2/... draggable="false" alt="💻" title="Computer" aria-label="Emoji: Computer">

"I& #39;ve got ages until I retire..."https://abs.twimg.com/emoji/v2/... draggable="false" alt="🧓" title="Älterer Erwachsener" aria-label="Emoji: Älterer Erwachsener">

I can manage my pension online, but thought:
https://abs.twimg.com/emoji/v2/... draggable="false" alt="🔸" title="Kleine orangene Raute" aria-label="Emoji: Kleine orangene Raute">I can& #39;t find my Welcome Email
https://abs.twimg.com/emoji/v2/... draggable="false" alt="🔸" title="Kleine orangene Raute" aria-label="Emoji: Kleine orangene Raute">Not sure of my plan number
https://abs.twimg.com/emoji/v2/... draggable="false" alt="🔸" title="Kleine orangene Raute" aria-label="Emoji: Kleine orangene Raute">Don& #39;t know my employers PAYE ref

AND CRUCIALLY
https://abs.twimg.com/emoji/v2/... draggable="false" alt="🔸" title="Kleine orangene Raute" aria-label="Emoji: Kleine orangene Raute">It will do alright, I& #39;ll look later.....

So, I get logged on and.......

My current fund& #39;s 5 year growth has been.....https://abs.twimg.com/emoji/v2/... draggable="false" alt="🥁" title="Drum" aria-label="Emoji: Drum"> (drumroll)

........7.50% Cumulative

5 years.......7.5% cumulative growth.....

https://abs.twimg.com/emoji/v2/... draggable="false" alt="🤯" title="Explodierender Kopf" aria-label="Emoji: Explodierender Kopf">https://abs.twimg.com/emoji/v2/... draggable="false" alt="🤯" title="Explodierender Kopf" aria-label="Emoji: Explodierender Kopf">https://abs.twimg.com/emoji/v2/... draggable="false" alt="🤯" title="Explodierender Kopf" aria-label="Emoji: Explodierender Kopf"> and then https://abs.twimg.com/emoji/v2/... draggable="false" alt="😱" title="Vor Angst schreiendes Gesicht" aria-label="Emoji: Vor Angst schreiendes Gesicht">https://abs.twimg.com/emoji/v2/... draggable="false" alt="😱" title="Vor Angst schreiendes Gesicht" aria-label="Emoji: Vor Angst schreiendes Gesicht">https://abs.twimg.com/emoji/v2/... draggable="false" alt="😱" title="Vor Angst schreiendes Gesicht" aria-label="Emoji: Vor Angst schreiendes Gesicht"> and then https://abs.twimg.com/emoji/v2/... draggable="false" alt="😭" title="Laut schreiendes Gesicht" aria-label="Emoji: Laut schreiendes Gesicht">https://abs.twimg.com/emoji/v2/... draggable="false" alt="😭" title="Laut schreiendes Gesicht" aria-label="Emoji: Laut schreiendes Gesicht">https://abs.twimg.com/emoji/v2/... draggable="false" alt="😭" title="Laut schreiendes Gesicht" aria-label="Emoji: Laut schreiendes Gesicht"> (nearly)

I couldn& #39;t believe how LOW it was!!!

So I started again

https://abs.twimg.com/emoji/v2/... draggable="false" alt="🛑" title="Stop sign" aria-label="Emoji: Stop sign">moved out of the ultra cautious low growth DEFAULT option

https://abs.twimg.com/emoji/v2/... draggable="false" alt="✅" title="Fettes weißes Häkchen" aria-label="Emoji: Fettes weißes Häkchen">moved in to other markets - US, Asia, Europe
https://abs.twimg.com/emoji/v2/... draggable="false" alt="✅" title="Fettes weißes Häkchen" aria-label="Emoji: Fettes weißes Häkchen">moved it in to funds I wanted to buy, not the default

https://abs.twimg.com/emoji/v2/... draggable="false" alt="👉" title="Rückhand Zeigefinger nach rechts" aria-label="Emoji: Rückhand Zeigefinger nach rechts">IT WAS JUST LIKE BUYING AN ETFhttps://abs.twimg.com/emoji/v2/... draggable="false" alt="👈" title="Rückhand Zeigefinger nach links" aria-label="Emoji: Rückhand Zeigefinger nach links">

I am 40 now and still have some time to make some decent gains but I urge you to check yours.

Instead of just letting it drift https://abs.twimg.com/emoji/v2/... draggable="false" alt="⛵️" title="Segelboot" aria-label="Emoji: Segelboot">

Most pension providers have apps/portals where you can manage them.

https://abs.twimg.com/emoji/v2/... draggable="false" alt="🚨" title="Polizeiautos mit drehendem Licht" aria-label="Emoji: Polizeiautos mit drehendem Licht">Manage your pension like your portfolio - DO SOME RESEARCHhttps://abs.twimg.com/emoji/v2/... draggable="false" alt="🚨" title="Polizeiautos mit drehendem Licht" aria-label="Emoji: Polizeiautos mit drehendem Licht">

DONT LET IT DRIFT https://abs.twimg.com/emoji/v2/... draggable="false" alt="⛵️" title="Segelboot" aria-label="Emoji: Segelboot">https://abs.twimg.com/emoji/v2/... draggable="false" alt="❌" title="Kreuzzeichen" aria-label="Emoji: Kreuzzeichen">

https://abs.twimg.com/emoji/v2/... draggable="false" alt="⚠️" title="Warnsignal" aria-label="Emoji: Warnsignal">IMPORTANT - this is my experience only. PLEASE DO YOUR OWN RESEARCHhttps://abs.twimg.com/emoji/v2/... draggable="false" alt="⚠️" title="Warnsignal" aria-label="Emoji: Warnsignal">