The table below presents the annual average returns of the penson products (by country) available in BETTER FINANCE’s 2020 edition of the report on the Real Returns of Long-Term and Pension Savings (“the Report”) using standardised holding periods of 1 year (2019), 3 years (2017-2019), 5 years (2015-2019), 7 years (2013-2019), 10 years (2010-2019) and the maximum data available. For more information and explanations, please refer to the Report.