Good Pension fund

berbatov10

Good evening. What are views of those on here as this as a pension fund Schroder Managed Balanced Inclusive - Class H

Bastiat

Expensive: 0.9% OCF. You can get the same exposure much cheaper with a few passive funds.

berbatov10

Hmm I looked at Vanguard 60/40 too? Any thoughts?

Drp8713

For my Mrs and her sensible SIPP & ISA we went for:


Baillie Gifford Managed - ISA - Active AMC 0.44


and


Blackrock Consensus 100 - SIPP - Passive AMC 0.14


But you could also see what is cheap at your broker, for example the OCF mentioned above for the Schroder Managed Balanced is 0.9% but at my broker HL the clean class with rebate is only o.4%.

Bastiat

berbatov10 wrote: »

Hmm I looked at Vanguard 60/40 too? Any thoughts?

Plot Schroder Managed Balanced Inclusive - Class H against Vanguard 60/40 and you will see that you are essentially buying the same thing much cheaper. I would still go with a mix of passive funds as they are even cheaper than Vanguard Lifestyle funds.

berbatov10

what passives did you have in mind Bastiat? Drp 8173 Blackrock have some good returns

Bastiat

If you want the same exposure as Vanguard 60/40 just copy it by picking cheap index funds here:
http://monevator.com/low-cost-index-trackers/