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Pensions Increases

If you receive a pension from us then you will have this reviewed each April.

Stockmarket volatility


Benefit Statements as at 31 March 2021 have now been issued. Most members are invested to a lesser or greater extent in company shares (equities) traded on a recognised stock exchange. Prices will fluctuate on a daily basis.


Due to the Covid-19 pandemic, stockmarkets around the world have been extremely volatile and many companies have had to suspend or reduce their dividend. Some have had to raise funds from shareholders, and/or arrange more borrowings, in order to survive this uncertain period. Although markets have recovered from their lows seen in March 2020 they remain volatile.


This can be a worrying time for investors but in all previous downturns markets have recovered eventually and regular investors do benefit when prices are low as it means you buy more investments each month for your regular contribution. Over the long term you should gain most of your return from dividends, and the reinvestment of these. Just a reminder that dividends are the regular payments to shareholders which are usually paid from a company's profits.


The message from most investment professionals seems to be to stay invested and don't make any sudden changes as a result of what is expected to be a relatively short term situation in the context of a longer term investment horizon.


If you are in our 'lifestyle' investment strategies then this means you will be gradually switched to less volatile investments as you near retirement thereby helping to 'lock in' your returns.


If you have any queries then please contact the Pensions Team.

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