Pension Funds Performance Report: February 2025

Pension Funds Performance Report: February 2025

Fund I (Aggressive Growth Fund) Report

Overview: The report for Fund I provides insights into the performance of various pension funds during February 2025 and the Year-To-Date (YTD) growth up to 28th February 2025.

February 2025 Fund Growth:

• Top Performer: Oak Pensions, with a robust growth rate of 4.94%.
• Runners-Up: PAL Pensions at 4.65% and Trustfund Pensions at 2.72%.
• Average Growth: The average growth rate across all funds was 2.09%.
• Lowest Growth: NPF Pensions, with a growth rate of 0.88%.

YTD Fund Growth to 28-02-2025:

•  Top Performer: PAL Pensions again leads with an impressive YTD growth of 7.57%.
• Runners-Up: Trustfund Pensions at 5.53% and Oak Pensions at 5.11%.
• Average Growth: The average YTD growth rate was 4.35%.
• Lowest Growth: NPF Pensions, with a YTD growth rate of 1.68%.

Analysis: Oak Pensions PAL Pensions and Trustfund Pensions have so far consistently outperformed other funds in both monthly and YTD assessments. The overall growth trend indicates a positive trajectory for the pension funds, with the average growth rates being above 1% for both periods. CardinalStone Pensions and Leadway Pensure PFA had incomplete data. CardinalStone Pensions (formally Radix Pensions) launched a new website, but Fund prices have not been updated for a while, whilst Leadway Pensure PFA’s prices charts have not been available as at the time of compiling this report.

Fund II (Balanced Fund) Report

Overview: Fund II's report highlights the growth rates of various pension funds for February 2025 and the YTD performance up to 28th February 2025.

February 2025 Fund Growth:

• Top Performer: PAL Pensions, achieving a growth rate of 3.31%.
• Runners-Up: Trustfund Pensions at 2.93% and Guaranty Trust Pension Managers at 2.68%.
• Average Growth: The average growth rate was 1.84%.
• Lowest Growth: NPF Pensions, with a growth rate of 0.83%.

YTD Fund Growth to 28-02-2025:

• Top Performer: Trustfund Pensions, with a YTD growth of 5.22%.
• Runners-Up: PAL Pensions at 5.05% and Premium Pension at 4.36%.
• Average Growth: The average YTD growth rate was 3.64%.
• Lowest Growth: NPF Pensions, with a YTD growth rate of 1.75%.

Analysis: PAL Pensions and Trustfund Pensions showed strong performance in both monthly and YTD assessments. The data suggests a competitive landscape among the top performers, with several funds achieving growth rates above 2%.

Fund III (Pre-Retirement Fund) Report

Overview: The report for Fund III presents the growth rates of various pension funds for February 2025 and the YTD performance up to 28th February 2025.

February 2025 Fund Growth:

• Top Performer: PAL Pensions, with a growth rate of 2.16%.
• Runners-Up: Oak Pensions at 1.98% and FCMB Pensions at 1.75%.
• Average Growth: The average growth rate was 1.38%.
• Lowest Growth: NPF Pensions, with a growth rate of 0.90%.

YTD Fund Growth to 28-02-2025:

• Top Performer: PAL Pensions, with a YTD growth of 3.60%.
• Runners-Up: Access ARM Pensions at 3.25% and Guaranty Trust Pension Managers at 3.24%.
• Average Growth: The average YTD growth rate was 2.89%.
• Lowest Growth: NPF Pensions, with a YTD growth rate of 1.45%.

Analysis: PAL Pensions demonstrated consistent strong performance, leading both monthly and YTD growth charts. The overall growth rates indicate a healthy growth trend for the pension funds in Fund III.

Fund IV (Retiree Fund) Report

Overview: Fund IV's report provides a detailed analysis of the growth rates of various pension funds for February 2025 and the YTD performance up to 28th February 2025.

February 2025 Fund Growth:

• Top Performer: FCMB Pensions, achieving a growth rate of 1.48%.
• Runners-Up: Access ARM Pensions and Trustfund Pensions, both at 1.48% and 1.40% respectively.
• Average Growth: The average growth rate was 1.24%.
• Lowest Growth: CrusaderSterling Pensions, with a growth rate of 1.02%.

YTD Fund Growth to 28-02-2025:

• Top Performer: Access ARM Pensions, with a YTD growth of 2.96%.
• Runners-Up: Trustfund Pensions and PAL Pensions, both at 2.85%.
• Average Growth: The average YTD growth rate was 2.54%.
• Lowest Growth: NLPC Pension, with a YTD growth rate of 1.97%.

Analysis: FCMB Pensions and Access ARM Pensions showed strong performance in both monthly and YTD assessments, though currently pipped YTD by Trustfund Pensions and PAL Pensions.

Fund V (Micro Pension) Report

Overview: The report for Fund V presents the growth rates of various pension funds for February 2025 and the YTD performance up to 28th February 2025.

February 2025 Fund Growth:

• Top Performer: Trustfund Pensions, with a growth rate of 2.00%.
• Runners-Up: Fidelity Pension Managers at 1.92% and Tangerine APT Pensions at 1.88%.
• Average Growth: The average growth rate was 1.42%.
• Lowest Growth: Norrenberger Pensions, with a negative growth rate of -1.65%.

YTD Fund Growth to 28-02-2025:

• Top Performer: Trustfund Pensions, with a YTD growth of 4.11%.
• Runners-Up: NLPC Pension at 4.07% and PAL Pensions at 4.06%.
• Average Growth: The average YTD growth rate was 3.20%.
• Lowest Growth: Norrenberger Pensions, with a negative YTD growth rate of -0.42%.

Analysis: Trustfund Pensions demonstrated consistent strong performance, leading both monthly and YTD growth charts. The overall growth rates indicate a healthy growth trend for the pension funds in Fund V, despite one fund experiencing negative growth.

Fund VI - Non-Interest (Active) Report

Overview: Fund VI - Non-Interest (Active) report provides insights into the performance of various pension funds during February 2025 and the YTD growth up to 28th February 2025.

February 2025 Fund Growth:

• Top Performer: Nupemco, with a growth rate of 3.45%.
• Runners-Up: CrusaderSterling Pensions at 2.20% and Access ARM Pensions at 1.95%.
• Average Growth: The average growth rate was 1.75%.
• Lowest Growth: Tangerine APT Pensions, with a growth rate of 1.24%.

YTD Fund Growth to 28-02-2025:

• Top Performer: Nupemco, with an impressive YTD growth of 7.76%.
• Runners-Up: CrusaderSterling Pensions at 4.33% and Access ARM Pensions at 3.78%.
• Average Growth: The average YTD growth rate was 3.62%.
• Lowest Growth: FCMB Pensions, with a YTD growth rate of 2.22%.

Analysis: Nupemco consistently outperformed other funds in both monthly and YTD assessments. The overall growth trend indicates a positive trajectory for the pension funds, with the average growth rates being above 1.5% for both periods.

Fund VI - Non-Interest (Retiree) Report

Overview: The report for Fund VI - Non-Interest (Retiree) presents the growth rates of various pension funds for February 2025 and the YTD performance up to 28th February 2025.

February 2025 Fund Growth:

• Top Performer: Access ARM Pensions, with a growth rate of 1.72%.
• Runners-Up: NLPC Pension at 1.65% and Premium Pension at 1.48%.
• Average Growth: The average growth rate was 1.33%.
• Lowest Growth: Tangerine APT Pensions, with a growth rate of 0.86%.

YTD Fund Growth to 28-02-2025:

• Top Performer: NLPC Pension, with a YTD growth of 3.48%.
• Runners-Up: Access ARM Pensions at 3.32% and Fidelity Pension Managers at 3.25%.
• Average Growth: The average YTD growth rate was 2.86%.
• Lowest Growth: FCMB Pensions, with a YTD growth rate of 1.94%.

Analysis: Access ARM Pensions and NLPC Pension showed strong performance in both monthly and YTD assessments.

Note: This report is based on fund returns YTD February 2025 and is not personal advice. For more detailed and personalised advice, consult with a financial adviser. Click here for more charts.