Pension Investment - Help please!!

boybeck

Can anyone help me please. Just starting a new job and I have a choice of contribution investments. I am a low/medium risk taker, so any help would be really appreciated....

Russell Investment Group:-
Global Equity
Global Equity (lifestyle Option)
UK Equity
Sterling Bond
Sterling Corporate Bond
Cash

Morley Property:-
Property

Legal and General:-
Global Equity

I can just do an even spread and choose 12.5% into each. Any advise much appreciated!!

Thanks
Pete

EdInvestor

How old are you?

Low medium risk levels can mean different things depending on your distance from retirement.

dunstonh

Plus low risk to one person is high risk to another. You need to put it in context. Such as, how much of a percentage drop in value in any given 12 month period would you accept before getting cold feet and changing the investment?

The fund range is very limited so you dont have a lot of choice. Putting 12.5% into each isnt the way to go. However, spreading is right. Just how and where you spread it is the thing that needs to be looked at in conjunction with your risk profile.