Pension Portfolio composition

bowlhead99

Adventurous generally means less caution and more volatility. It doesn't mean pick one country at random out of the many many countries you could choose to invest in, and put a fifth of your wealth into that.

What is there about the demographics of Japan (aging, declining population etc, their industry or their currency) that you think makes it a prime spot for your cash?

dunstonh

What do you think of the idea of putting 20% in the Japanese fund to increase the level of risk?

Really poor. None of the properly researched portfolio models have anywhere near that for Japan. So, why do you want it?
How does your research compare to those that pay millions for professional modelling? (ie what makes you think you can do better?) - not having a go at you but hoping you see where you are going wrong.

You sound more convinced than in your response to my original suggestion?!

The fund of funds is a much better option than your limited selection of single sector funds

I am relatively new to this. My research suggests that as I am quite young (33), I should have a more "adventurous" risk appetite.

You are also starting quite late. So, can you afford to take risks?
What about when you see a crash and she your fund almost halve in value? Could you handle that?

w00519772

I have had a pension plan since I was 21, but it was mostly local government pension scheme, so I did not take much notice. Just made the contributions required.

I have had a private sector plan for the last two years and have had a medium attitude to risk. I was thinking about changing it to medium-adventurous as I believe I am still quite young.

I still have over three decades of work ahead of me assuming that I retire when I am 65. My research suggests that someone in their thirties can afford to take more risks. I could be wrong as I am no expert.

w00519772

dunstonh wrote: »

Really poor. None of the properly researched portfolio models have anywhere near that for Japan. So, why do you want it?
How does your research compare to those that pay millions for professional modelling? (ie what makes you think you can do better?) - not having a go at you but hoping you see where you are going wrong.



The fund of funds is a much better option than your limited selection of single sector funds



You are also starting quite late. So, can you afford to take risks?
What about when you see a crash and she your fund almost halve in value? Could you handle that?

I have done some further research and I was thinking about leaving 50% in the default fund here: http://funds.ft.com/uk/Tearsheet/Summary?s=GB00B442NG68:GBP and 50% here: http://factsheets.financialexpress.net/frle/N0R8.PDF. I believe this will mean that I am diversifying. Do you agree?

dunstonh

w00519772 wrote: »

I have done some further research and I was thinking about leaving 50% in the default fund here: http://funds.ft.com/uk/Tearsheet/Summary?s=GB00B442NG68:GBP and 50% here: http://factsheets.financialexpress.net/frle/N0R8.PDF. I believe this will mean that I am diversifying. Do you agree?

Both funds are multi-asset so one or the other or both are fine.

w00519772

Thanks. The reason for investing in the adventurous fund is to expose myself to more risk in the hope of increasing gains in the long term. However, I accept that this could mean more losses.

The problem is that the G4S pension fund has risen by just 1.41% since August 2013. The cash in my current account has risen more than that. A lot of other funds have risen considerably more than that.

Another strategy is to start investing a monthly sum into the new fund I.e. No one off transfer. I would be grateful for any thoughts on this.