Standard life Funds??

wideloads

Hi, Hope its ok to start a new thread on my first post, But as this is based on my circumstances I thought it probably just aswell.
I would be very grateful to anyone who could offer advise as to which Standard life funds may be best for me. My circumstances as follows.

age 33
fund value 28k
paying in 10%
earning £26000
All currently in the japanese one fund.
still paying serps

I understand that all investments are subject to risk and to be honest i would like put my investments at risk for the potential of a decent return. My view is this, I'd rather have risked it all now, to get a good return, And end up with nothing. Than keep it safe and end up with something worth not alot. Hope that makes sense.
Many thanks in advance for any responses.

dunstonh

Standard Life offer a range of contracts. Each has a different fund range. Some with just 1 fund, some under 10, others over 300.

Are you likely to monitor, adjust and rebalance the investments and are you capable of picking your own?

wideloads

Thankyou for your relpy. I have listed below the funds which are available to me when I go through the sell and then buy options on the standard life site.

I do monitor my fund values and in the wake of the BP oil spill have just sold my UK equity one fund stake.
As for being capable of picking my own, No i doubt i am, but then i am prepared to try.


Aberdeen Life Sterling Credit Pension Fund 120.1
Aberdeen Multi-Asset (ex Property) Fund 142.6
Aberdeen Multi-Asset Fund 135.0
Aberdeen Property Share Fund 46.9
Baillie Gifford Managed Pension Fund 154.7
Baillie Gifford UK Equity Pension Fund 139.6
Baillie Gifford Worldwide Equity Fund 152.2
BlackRock UK Dynamic Fund 99.5
BlackRock UK Income Fund 136.4
BlackRock UK Special Situations Fund 113.1
Blackrock UK Absolute Alpha Fund 102.1
CF Macquarie Global Infrastruct Securities Fund 97.8
CF Macquarie Global Property Securities Fund 95.3
CF Midas Balanced Growth Fund 82.7
CF Midas Balanced Income Fund 77.8
F & C Lifestyle Balanced Fund
F & C Lifestyle Cautious Fund
F & C Lifestyle Defensive Fund
F & C Lifestyle Growth Fund
F & C Multi-Manager Distribution Fund 81.2
Fidelity European Fund 98.9
Fidelity Global Special Situations Fund 191.6
Fidelity Multimanager Growth Fund 93.2
Fidelity Multimanager Income Fund 95.9
Fidelity South East Asia Fund 287.7
Fidelity Special Situations Fund 211.0
Fidelity WealthBuilder Fund 132.5
Gartmore Cautious Managed Fund 103.5
Gartmore European Selected Opportunities Fund 150.2
Gartmore Fixed Interest Fund 85.0
HSBC Life Amanah Pension Fund 133.1
HSBC OPEN Global Distribution Fund
HSBC OPEN Global Return Fund
Ignis Argonaut European Alpha Pension 113.6
Ignis Corporate Bond Pension 100.4
Ignis UK Property 91.0
Insight Diversified Dynamic Return Fund 84.6
Insight Diversified Target Return Fund 96.9
Insight Wealth Builder Balanced Fund 95.6
Invesco Perpetual Corporate Bond Fund 130.1
Invesco Perpetual High Income Fund 180.9
Investec Cautious Managed Fund 113.2
Investec Global Free Enterprise Fund 85.8
Investec Sterling Bond Fund 116.4
Investec UK Blue Chip Fund 92.8
JP Morgan Life Global Equity Fund 135.4
JP Morgan Life Moderate Fund 136.7
JPM Cautious Total Return Fund 106.6
JPM Global Property Securities Fund 56.9
JPMorgan Life Growth Fund 88.9
Jupiter Corporate Bond 113.8
Jupiter Distribution Fund 124.8
Jupiter Income Trust 130.6
Jupiter Merlin Balanced Fund 112.9
Jupiter Merlin Growth Fund 110.0
Jupiter Merlin Income Fund 118.1
Jupiter Merlin Worldwide Fund 109.7
Jupiter Undervalued Assets Fund 116.3
Liontrust First Income Fund 79.4
Liontrust First Large Cap. Fund 123.6
M & G Cautious Multi Asset Fund 116.7
M & G Corporate Bond Fund 124.8
M & G Global Basics Fund 124.3
M & G Global Growth Fund 121.6
M & G Property Portfolio Fund 84.7
M & G Recovery Fund 115.7
New Star Sterling Bond Fund 98.1
Newton Global Balanced Fund 186.0
Newton Income Fund 153.8
Newton International Growth Fund 103.636396
Newton Managed Fund 134.0
Newton Phoenix Multi-Asset Fund 102.9
Old Mutual Corp Bond Acc Fund 101.2
Old Mutual UK Select Mid Cap Fund 115.2
Pension Balanced Manager of Managers Fund 132.1
Pension Cautious Managed One Fund 144.3
Pension Cautious Manager of Managers Fund 125.1
Pension Corporate Bond One Fund 151.1
Pension Ethical One Fund 149.0
Pension European Equity Tracker One Fund 169.4
Pension European One Fund 115.1
Pension FTSE* Tracker One Fund 118.7
Pension Far East One Fund 128.1
Pension Fixed Interest One Fund 166.5
Pension Global Equity 50:50 One Fund 163.1
Pension Global Equity 50:50 Tracker One Fund 154.2
Pension Global Equity Manager of Managers Fund 133.0
Pension Index Linked One Fund 161.9
Pension International One Fund 116.8
Pension Managed One Fund 133.2
Pension Millennium With Profits 2006 Fund
Pension North American One Fund 87.7
Pension Overseas Manager of Managers Fund 132.6
Pension Overseas One Fund 160.2
Pension Overseas Tracker One Fund 139.2
Pension Pacific Basin One Fund 213.0
Pension Property One Fund 157.0
Pension Protection One Fund 155.9
Pension Sterling One Fund 141.0
Pension Stock Exchange One Fund 138.7
Pension UK Equity Manager of Managers Fund 130.6
Pension UK Equity One Fund 119.2
Pension UK Equity Select One Fund 178.3
Pension UK Opportunities One Fund 170.6
Pension US Equity Tracker One Fund 132.1
Rathbone Income Fund 84.8
Rathbone Recovery Pension Fund 39.1
SL Aviva Investors Property Pension Fund 98.1
SL BlackRock Aquila HP (50:50) Global Eq Pen Fund 116.5
SL BlackRock Aquila HP Consensus Pension Fund 117.4
SL BlackRock Aquila HP EU Equity Pension Fund 94.534530
SL BlackRock Aquila HP Japanese Equity Pen Fund 93.542616
SL BlackRock Aquila HP Over 15 Year Gilt Pen 112.034861
SL BlackRock Aquila HP Over 15 Yrs Corp Bond PN FD
SL BlackRock Aquila HP Over 5 Year Index Gilt Pen 116.413400
SL BlackRock Aquila HP Pacific Rim Equity Pen Fund 144.655212
SL BlackRock Aquila HP UK Equity Pension Fund 110.7
SL BlackRock Aquila HP US Equity Pension Fund
SL BlackRock Aquila HP World (Ex-UK) Eq Pen Fund 117.0
SL BlackRock Ascent Life European Equity Pen Fund 158.4
SL BlackRock Ascent Life US Equity Pension Fund 121.4
SL Henderson European Growth Pension Fund 108.9
SL Henderson International Property Pension Fund 60.4
SL Henderson UK Property Pension Fund 79.5
SL IFSL pH Diversified Portfolio Pension Fund
SL IFSL pH Dynamic Portfolio Pension Fund
SL Newton 50/50 Global Equity Pension Fund 162.8
SL Pension Global Equity Select 60:40 Fund 111.2
SL Pension Managed Cash Fund 100.2
SL SLI AAA Income Pension Fund
SL SLI European Equity Income Pension Fund
SL SLI Select Income Pension Fund
SL SLI UK Equity Growth Pension Fund
SL SLI UK Equity Recovery Pension Fund
SL Schroder Diversified Target Return Pension Fund
SL Schroder Global Equity Income Pension Fund
SL Schroder MM Cautious Managed Pension Fund
SL Schroder UK Alpha Plus Pension Fund
SL Schroder US Mid Cap Pension Fund
SL Towry Defensive Portfolio Pension Fund
SL Towry Growth Portfolio Pension Fund
SL Towry Mixed Porfolio Pension Fund
SLI Global Absolute Return Strategies Fund 119.2
SLI Global Equity Unconstrained Fund 96.6
SLI Global REIT Fund 58.6
SLI Strategic Bond Pension Fund
Schroder Global Emerging Market Fund 147.260509
Schroder Income Maximiser Fund
Schroder Intermediated Diversified Growth Fund
Schroder Tokyo Fund 101.739680
Schroder UK Mid 250 Fund 144.8
Schroder UK Smaller Companies Fund 69.7
Standard Life Investments Dynamic Distribution Fd 101.3
Standard Life Investments Higher Income Fund 111.7
Standard Life Investments Select Property Fund 76.0
Standard Life Investments UK Equity High Income Fd 93.9
Standard Life Investments UK Smaller Companies 211.7
Standard Life Pension Long Corporate Bond Fund 107.9
Standard Life SLI Global IndexLinked Bond Pen Fund
Threadneedle American Select Fund 102.3
Threadneedle European Fund 103.1
UBS Global Optimal Fund 133.9
UBS Life Global Equity Fund 139.8
UBS Life Managed Fund 134.5
UBS Targeted Return Fund

bendix

wideloads wrote: »

Hi, Hope its ok to start a new thread on my first post, But as this is based on my circumstances I thought it probably just aswell.
I would be very grateful to anyone who could offer advise as to which Standard life funds may be best for me. My circumstances as follows.

age 33
fund value 28k
paying in 10%
earning £26000
All currently in the japanese one fund.
still paying serps

I understand that all investments are subject to risk and to be honest i would like put my investments at risk for the potential of a decent return. My view is this, I'd rather have risked it all now, to get a good return, And end up with nothing. Than keep it safe and end up with something worth not alot. Hope that makes sense.
Many thanks in advance for any responses.

Putting your pension in high risk high return funds at the age of 33 is an understandable strategy. Desirable and wise, even.

But to put all your retirement funds into ONE Japanese fund is just plain madness.

If you want high risk, at least split the money between 4-5 high risk funds.

wideloads

bendix wrote: »

Putting your pension in high risk high return funds at the age of 33 is an understandable strategy. Desirable and wise, even.

But to put all your retirement funds into ONE Japanese fund is just plain madness.

If you want high risk, at least split the money between 4-5 high risk funds.

I suppose it would make sense for me to split my risk. The only question is which funds would best suit my circumstances. We do have an advisor through work who comes in every 3 months but he seems quite happy to take his cut and do little else.

dunstonh

wideloads wrote: »

I suppose it would make sense for me to split my risk. The only question is which funds would best suit my circumstances. We do have an advisor through work who comes in every 3 months but he seems quite happy to take his cut and do little else.

He isnt your adviser though. He is the employer's adviser for the scheme and part of the agreement probably allows a limited level of advice given on a periodic basis.

If you want specific advice you need to complete more information than the adviser will have on you. That is time consuming and the adviser probably isnt being paid to do that.

As we dont know your circumstances, no-one here can tell you what funds are best. However, the fact you dont know what funds are best yourself suggests you should probably stick to the self balancing, diverse all-in-one funds like the Standard Life managed fund.

wideloads

dunstonh wrote: »

He isnt your adviser though. He is the employer's adviser for the scheme and part of the agreement probably allows a limited level of advice given on a periodic basis.

If you want specific advice you need to complete more information than the adviser will have on you. That is time consuming and the adviser probably isnt being paid to do that.

As we dont know your circumstances, no-one here can tell you what funds are best. However, the fact you dont know what funds are best yourself suggests you should probably stick to the self balancing, diverse all-in-one funds like the Standard Life managed fund.

Thats fair enough if he is employed by the company, And it would seem that I do not fully understand his role...

I could quite easily go for one of the managed funds as you say, however i would try to get some better returns. I suppose i should have just asked if anybody knows which fund are proforming very well at the moment.