Your monthly reports
One report for each month that has closed. It shows where the funds you watch stood at the end of the month, and what changed since the month before.
PensionInsights Risk Tier is our own classification, calculated from historical fund data. It is not an insurer or regulatory rating. Higher volatility means larger historical total-return movements, not necessarily worse performance: a fund that can rise 35% in a year can fall by a similar amount. These are closed months. How far a fund's daily moves went up against how far they went down is not recorded against a past month, so it is shown on your watchlist rather than here.
What each report counts. A month is counted from the funds you watched with the provider on file for you at the end of that month, so changing provider no longer changes what your earlier months say. Two limits come with that. Months older than our record of your provider are counted from every fund on your watchlist, because there is nothing on file to narrow them by, and each of those months says so on its own card. And your watchlist carries no dates of its own: a fund you starred last week is counted in every month shown here, including months that closed before you starred it.
July 2026 Elevated 2 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
2 of your funds sat at a higher risk level at the end of this month, against 2 at the end of June 2026.
No fund changed risk level between the end of June 2026 and the end of this month.
June 2026 Elevated 2 at a higher risk level · 2 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 2 level changes during the month.
2 of your funds sat at a higher risk level at the end of this month, against 2 at the end of May 2026.
Moved during the month · 2 moves across 1 fund
May 2026 Elevated 2 at a higher risk level · 2 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 2 level changes during the month.
2 of your funds sat at a higher risk level at the end of this month, against 2 at the end of April 2026.
Moved during the month · 2 moves across 1 fund
April 2026 Elevated 2 at a higher risk level · 12 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 12 level changes across 1 fund. That is more than two per fund with history.
2 of your funds sat at a higher risk level at the end of this month, against 2 at the end of March 2026.
Moved during the month · 12 moves across 1 fund
March 2026 Elevated 2 at a higher risk level · 1 changed at month end · 5 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 5 level changes during the month.
2 of your funds sat at a higher risk level at the end of this month, against 1 at the end of February 2026.
Changed net, month-end vs month-end
Moved during the month · 5 moves across 1 fund
February 2026 Elevated 1 at a higher risk level · 2 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 2 level changes during the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of January 2026.
Moved during the month · 2 moves across 1 fund
January 2026 Elevated 1 at a higher risk level · 1 changed at month end · 1 move during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- 1 level change during the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of December 2025.
Changed net, month-end vs month-end
Moved during the month · 1 move across 1 fund
December 2025 Elevated 1 at a higher risk level · 1 changed at month end · 5 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- 5 level changes during the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of November 2025.
Changed net, month-end vs month-end
Moved during the month · 5 moves across 1 fund
November 2025 Elevated 1 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of October 2025.
No fund changed risk level between the end of October 2025 and the end of this month.
October 2025 Elevated 1 at a higher risk level · 1 changed at month end · 3 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- 3 level changes during the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of September 2025.
Changed net, month-end vs month-end
Moved during the month · 3 moves across 1 fund
September 2025 Elevated 1 at a higher risk level · 2 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- 2 level changes during the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of August 2025.
Moved during the month · 2 moves across 1 fund
August 2025 Elevated 1 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of July 2025.
No fund changed risk level between the end of July 2025 and the end of this month.
July 2025 Elevated 1 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of June 2025.
No fund changed risk level between the end of June 2025 and the end of this month.
June 2025 Elevated 1 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of May 2025.
No fund changed risk level between the end of May 2025 and the end of this month.
May 2025 Elevated 1 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of April 2025.
No fund changed risk level between the end of April 2025 and the end of this month.
April 2025 Elevated 1 at a higher risk level · 8 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 8 level changes across 2 funds. That is more than two per fund with history.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of March 2025.
Moved during the month · 8 moves across 2 funds
March 2025 Elevated 1 at a higher risk level · 1 changed at month end · 3 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 3 level changes during the month.
1 of your funds sat at a higher risk level at the end of this month, against 2 at the end of February 2025.
Changed net, month-end vs month-end
Moved during the month · 3 moves across 1 fund
February 2025 Elevated 2 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
2 of your funds sat at a higher risk level at the end of this month, against 2 at the end of January 2025.
No fund changed risk level between the end of January 2025 and the end of this month.
January 2025 Elevated 2 at a higher risk level · 2 changed at month end · 10 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 10 level changes across 2 funds. That is more than two per fund with history.
2 of your funds sat at a higher risk level at the end of this month, against 1 at the end of December 2024.
Changed net, month-end vs month-end
Moved during the month · 10 moves across 2 funds
December 2024 Elevated 1 at a higher risk level · 6 moves during the month
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
- A fund moved up into a higher risk level during the month.
- 6 level changes during the month.
1 of your funds sat at a higher risk level at the end of this month, against 1 at the end of November 2024.
Moved during the month · 6 moves across 1 fund
November 2024 Elevated 1 at a higher risk level
Why this month reads as elevated
- A fund was at the highest risk level at some point in the month.
Risk levels are measured from published fund data. Informational only. Not investment advice.