Stakeholder pension fees

bigadaj

central wrote: »

Thanks very much for the help
I do have some Asia 10% of the fund is Japan. I do get diversification helps smoothing in the short term.
I think I am correct in thinking then if I went for 7 or 8 funds in a vehicle like HL the charges won't be more than 0.8%.
Dunstonh or Zagfles do you have a suggestion of 7 or 8 funds as a starting suggestion I could backtest? I think my most recent 5y return is 91%
If I'm going to be incremental, I am thinking move 5% of the UK index and US index fund + invest 5% in the future into an emerging market fund?

I'm very grateful for you helping me

You can set up a dummy portfolio on trustnet or Morningstar.

This will show your breakdown according to sector, geography etc but you can also plot performance against a range of indexes, so compare with the ftse 100 or world, s&p, or against a basket of managed funds that are balanced, adventurous etc