Passive or Active funds?

jamesd

Have you considered transferring a lot of the money out to get a broader range of investment choices? That's the way I'd be thinking, given such a limited choice. Assuming you can use that choice to your advantage. I'd leave enough there to have any funds from that selection that I want if those funds are available at lower cost in this scheme than outside.

The passive funds are cheap and probably can't be obtained more cheaply outside. The active ones and others may well be cheaper at a place that charges a fee of a hundred or so Pounds a year and makes clean fund classes - base price is 0.75% or so - available.