Market volatility and your pension


Major recent events including the Covid-19 pandemic and the Russian invasion of Ukraine continue to have an impact on the global financial markets. As the world’s economies work to recover from the pandemic, rising inflation and concerns over energy prices, along with rising interest rates and trouble in the gilts markets, all contribute to increased investment volatility.

As you may have seen, the ups and downs of the financial markets can have an impact on the value of your DC Choice account at any given time. We know this can be alarming, but it’s important to bear in mind saving for retirement is a long-term investment.

Over the course of your DC Choice membership, which could be many years, your savings will experience both market highs as well as lows, and we urge you to consider the long-term picture before making hasty decisions about your investments in response to current market conditions.

You can check your fund balance at any time by logging into your account via 4me (for active members) or Legal & General’s portal.

Neither Mitchells & Butlers nor the Trustee can give you advice about your investments, but if you’re in any doubt about what to do, you should get independent financial advice. You can also find information and guidance from MoneyHelper, the Government’s free financial guidance service