Your Pension - Your Future 

From time to time you may see changes in the value of your ZCashBuilder account and wonder why. During times of market volatility, like we've seen recently, as your ZCashBuilder account is invested the value of your investments may fluctuate, including possible falls in value.

What’s caused recent market volatility?

Stock markets across the world have been volatile following US President Donald Trump’s decision to introduce tariffs .

What can you do in periods of market volatility?

• Think long term – Although markets are particularly volatile at present and you may have seen your ZCashBuilder value fall, short term ups and downs are part and parcel of investing. So, although you may be concerned, try looking at the longer-term picture.
• Don’t make any hasty decisions – Try to stay calm and avoid making hasty investment choices based on short term movements.
• Check where you are invested – make sure you are comfortable with the level of investment risk you are taking. This is particularly important for those that are looking to retire shortly. You can find out more about investment risks in the Investment Guides on the ZPen website here: Investments (ZCB).

More information on the investment options available to you can be found on the ZPen website. You can also access WTW pension guidance to help you understand all the options available to you.