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Choosing funds in Prudential GPPP

comdw
Posts: 245 Forumite


I have a Prudential GPPP through my employer (which matches my contributions to a certain degree). I need to re-balance the funds held within this portfolio as my initial choice was pretty much guess work, and they recently added a number of funds to the choice.
My current investments are split roughly like so:
Prudential Corporate Bond 10%
Prudential Index Linked 10%
Prudential Property 5%
Prudential UK Specialist Equity 10%
Prudential With Profits Fund 90/10 20%
Prudential UK Smaller Companies 5%
BGI Aquila (60:40) Global Equity Index 25%
BGI Aquila UK Equity Index 15%
The funds now available to choose from are:
Aberdeen Life Balanced
Aberdeen Life North American Equity
Aberdeen Life UK Equity
Prudential Corporate Bond
Prudential Cash
Prudential Discretionary
Prudential UK Equity (Passive)
Prudential Fixed Interest
Prudential Index Linked
Prudential Property
Prudential Retirement Protection
Prudential UK Specialist Equity
Prudential Socially Responsible
Prudential With Profits Fund 90/10
Prudential UK Smaller Companies
Northern Trust UK Equity
BGI Ascent European Equity
BGI Ascent Japanese Equity
BGI Ascent Pacific Rim Equity
BGI Aquila (60:40) Global Equity Index
BGI Aquila UK Equity Index
I can move around my existing investment between the funds as well as change where my contributions are invested. I think I can only hold a maximum of 10 different funds at a time though.
I'm having trouble finding some of the funds listed on research websites (citywire, bestinvest etc) which is making it difficult to make comparisons, get ratings and ultimately pick the right ones. I'm 28 so am taking a very long term view and am happy with a high level of risk to maximise growth for the forseeable future.
Can anyone point me in the right direction to finding more info on these funds so I can make an informed decision on how to balance the investments going forward?
Thanks in advance...
My current investments are split roughly like so:
Prudential Corporate Bond 10%
Prudential Index Linked 10%
Prudential Property 5%
Prudential UK Specialist Equity 10%
Prudential With Profits Fund 90/10 20%
Prudential UK Smaller Companies 5%
BGI Aquila (60:40) Global Equity Index 25%
BGI Aquila UK Equity Index 15%
The funds now available to choose from are:
Aberdeen Life Balanced
Aberdeen Life North American Equity
Aberdeen Life UK Equity
Prudential Corporate Bond
Prudential Cash
Prudential Discretionary
Prudential UK Equity (Passive)
Prudential Fixed Interest
Prudential Index Linked
Prudential Property
Prudential Retirement Protection
Prudential UK Specialist Equity
Prudential Socially Responsible
Prudential With Profits Fund 90/10
Prudential UK Smaller Companies
Northern Trust UK Equity
BGI Ascent European Equity
BGI Ascent Japanese Equity
BGI Ascent Pacific Rim Equity
BGI Aquila (60:40) Global Equity Index
BGI Aquila UK Equity Index
I can move around my existing investment between the funds as well as change where my contributions are invested. I think I can only hold a maximum of 10 different funds at a time though.
I'm having trouble finding some of the funds listed on research websites (citywire, bestinvest etc) which is making it difficult to make comparisons, get ratings and ultimately pick the right ones. I'm 28 so am taking a very long term view and am happy with a high level of risk to maximise growth for the forseeable future.
Can anyone point me in the right direction to finding more info on these funds so I can make an informed decision on how to balance the investments going forward?
Thanks in advance...
0
Comments
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Group schemes/COMPs often use funds which are not available in retail form so you dont get data provided to third parties.
With that limited fund selection, all you can do is build on the sectors and pick by sector allocation. The BGI funds are trackers and the only ones in those sectors anyway so you dont have a lot of choice.
Fund performance will have very little importance here as you dont have the choice.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Can anyone give an opinion on what the best 10 funds to choose would be without breaking the rules of this site.
Also, which sectors do the following funds belong to?
Aberdeen Life Balanced
Prudential Discretionary
Prudential Fixed Interest
Prudential Index Linked0 -
Well Fixed Interest is probably UK Company Bonds (I think).thoughts on personal finance @ plonkee.com0
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