Feedback on my proposed fund allocation for starting a pension

SlightlySmart

My employer's set up a "group personal" scheme ahead of the government deadline, and matches contributions up to 1% of annual salary.

I've decided to go for it, and put a few % in myself. Over the year, about £3.5k to go in to the scheme.

There is a default fund, and various "single fund solution portfolio" from the provider, but we can also choose ourselves. I'm a bit wary of the single solutions as they only have one year of track record, so I'm not putting it all in one of those.

What are your thoughts on the following portfolio and allocations, before I submit them?

Allocation	 Fund	 Annual Fee	 Notes
35%	 Aegon Balanced Core Portfolio	 1%	 50:50 risk, 8-10% market cycle volatility
20%	 Scottish Equitable Artemis Income	 1.7%	 UK mix
17.5%	 SE Invesco Perpetual Income	 1.95%	 UK equities (shares) mainly
15%	 SE M&G Corporate Bond	 1.65%	 Corp bonds, 40% BBB, 30% A
12.5%	 SE First State Asia Pacific Leaders	 1.85%	 Asia ex. Japan equities (shares)

The Balanced Portfolio (BCP) has been going 1 year, all the others since 2005 except for Corp Bond which is since 2009. Returns seem decent over that period. All are Morningstar Gold except for the BCP which isn't rateable, and Crown 4 or 5. All in the provider's "guidance" or "governed" ranges.

I've gone for 35+15=50% below average risk, 37.5% above average risk, and 12.5% higher risk. The BCP is most of my low risk, then the higher stuff chosen myself to create an overall average risk portfolio. Putting it into the Trustnet tools gives a risk score of 62/100, and seems to have performed well in the past.

Sensible for someone my age (25)? Or better to just go for one of their average risk single solution portfolios?

I can't post links to fact cards as I'm a new user, but they're on the Aegon website under Funds > Prices and performance > pension funds.