Pension Divorce

We help a lot of clients invest the Pension assets they acquire through a divorce. A Pension Sharing Order is typically awarded to the female, which then leaves her needing to find a suitable Pension to move her ex-husband’s Pension assets to.

Searching for a suitable Pension is hard enough, but knowing how to invest the money, then taking care of it on an ongoing basis can be a pretty daunting task.

The main factors you want to look out for when searching for a suitable Pension include, low charges, good fund choice, online access, useful reporting etc. However, as a financial planner I would argue all of that would not help you answer some of the most fundamental questions, including “what the hell does it all mean” and “what can I do with it and when”? These tend to be two important questions our clients ask us.

With regards to investing the money, it would be sensible to have a diversified approach to investing, which basically means to invest in a bit of everything. However, the proportion you invest in certain areas will have a large influence on how well the Pension grows over time, and how much it goes up and down in the meantime. We would typically include UK and Global Bonds, UK Gilts, Commercial Property, UK Equities and Global Equities in a well balanced portfolio.

The way it is invested completely depends on the individual and their requirements. Factors such as your current financial position, your future personal, professional and financial goals, your age, your preferences and experiences towards investing all come in to play. Understanding these will help you to invest appropriately.

We tend to go through an education process with our clients to help them gain confidence and control around money. This does help them to ask better questions of us, and creates a healthier relationship for everyone going forward.

If you have any questions about your Pension please do feel free to contact us.

Blog by Jaskarn Pawar

Jaskarn Pawar is an experienced and award winning Chartered and Certified Financial Planner. He advises people all over the UK on financial planning and wealth management issues to help them reach solutions to fit their personal needs. You can contact Jaskarn on 01604 211234 or by e-mail on