Straightforward Pension

What would past performance for our new funds look like?

Up until November 2020, the funds in your straightforward pension were our Pension Growth Fund and Pension Bond and Gilt Fund. You can see how these and our other pension funds performed in the links below.

Your straightforward pension now invests in our Pension Growth Fund 3 and Pension Defensive Fund. These funds launched in November 2020. For the period before November 2020, to help you compare them with other funds we have replicated the performance of the markets the funds invest in, to give an indication of what the performance may have been prior to its launch. The simulated return takes into account that the mix of assets are re-balanced once per month and includes annual costs of 0.85% for Growth Fund 3 and 0.70% for the Pension Defensive Fund.

Check out the table below for a quick look at how they might have performed.

FundMarch 2016 to March 2017March 2017 to March 2018March 2018 to March 2019March 2019 to March 2020March 2020 to March 2021
Pension Growth Fund 327.2%1.7%7.6%-8.6%33.2%
Growth comparator25.9%2.6%9.6%-3.9%31.1%
Pension Defensive Fund6.5%0.4%3.0%0.0%6.6%
Defensive comparator1.1%1.1%1.4%1.5%0.9%

Source Lipper, total return (income reinvested). The returns shown above for the Virgin Money funds uses index performance aligned to the current asset mix, less the annual fee, to simulate past performance in lieu of actual returns. Lump sum invested 31/03/16 to 31/03/21. For details of the performance comparator for each fund please see the respective Key Investor Information Document.

Remember, past performance isn't a reliable guide to the future. The value of your investment can go down as well as up and you may get back less than you invest.

Performance graph

The graph below shows the performance of the Virgin Pension Growth Fund 3 and Virgin Pension Defensive Fund.

Graph to show performance of the Virgin Pension Growth Fund and Virgin Pension Bond and Gilt Fund.

  • Based on the simulated performance data outlined above, if you had invested £10,000 in the Virgin Money Pension Growth Fund 3 on 31 March 2016, it would be worth £16,944 after charges on 31 March 2021.
  • Based on the simulated performance data outlined above, if you had invested £10,000 in the Virgin Money Pension Defensive Fund on 31 March 2016, it would be worth £11,733 after charges on 31 March 2021.

Pension Growth Fund 3 

Pension Defensive Fund 

Pension Bond and Gilt Fund 

Pension Bond, Gilt and UK Share Fund 

Pension Bond, Gilt UK and Overseas Share Fund 

Pension Growth Fund 

Pension Global Share Fund