Taking advantage of high contributions at a young age?

mania112

It's all relative to attitude to risk and willingness to accept volatility and their capacity for loss.

So we can't really speak generally about this.

I think there will be clients who are right for the Splits i've suggested.

I also take a contrary view on UK Equities. Over the long term they will be the safest places for a UK investor (in terms of Equities), so it's fine to have more eggs in that basket than other locations. There are many reasons for this to be a solid view.

In the short term I'm not keen on Gilts. So that much in Fixed Interest might be ok (as the funds will be on the riskier side of FI, Corporate Bonds) and we also look for Direct Property funds at the moment.

pensionplanning

I already have plans in place regarding purchasing property and other savings, just looking for advice regarding my pension at present.

The options breakdown as follows:

Balanced

Cash: 2.95%
Fixed Interest: 9.68%
Global Equity: 50.48%
Property: 15.00%
UK Equities 21.90%

Adventurous

Global Equity: 66.27%
Property: 11.38%
UK Equities 22.35%

Speculative

Global Equity: 72.97%
Property: 5.43%
UK Equities: 21.60%

I don't think there is an option for me to pick my own percentages, I will have to look more at the options. I'm thinking that I will switch to "Adventurous" based on the comments here, does that seem a reasonable plan? I am happy to take a back seat and not try and micromanage my investments for short term gains, if I have to wait 10 years for this to pay off I'm happy with that wait.

pensionplanning

Actually upon further investigation I can indeed set my own percentages and pick specific funds.

Are there any websites that will suggest specific funds or is it up to me to investigate each fund and decide what I want?

Moby_Tide

Trustnet has most fund details though check you pick the actual one in your pension as some have multiple issues. None will recommend funds that's up to you based on what you already seem to be doing at least