Pension advice

Dalfman

post deleted

xylophone

I am self employed and aiming to contribute circa £22k per annum (employer contribution)

You mean that you are an employee of your own limited company?

Dalfman

Yes I am, but the contribution comes directly from my limited company.

dunstonh

What investment strategy are you planning to follow? That if the first decision. Once you have decided that, you then pick the funds to match that strategy and the weightings to go with it.

Dalfman

Hi dunstonh, i'm not entirely sure tbh, this is all new to me. Can you provide a link or additional info for me to read into?

Sorry for my vagueness, this is unknown territory for me and I am looking to develop a much better understand so I can take control of my investments / strategy.

dunstonh

Hi dunstonh, i'm not entirely sure tbh, this is all new to me. Can you provide a link or additional info for me to read into?

Running bespoke portfolios is more than just a link you can briefly run through. You need to be able to analyse the underlying assets of each and every fund and put an appropriate risk rating on them. You also need to decide on the asset weighting for your particular model. Those weightings are likely to change throughout the economic cycle and not remain static.

There are some websites that give static allocations. They won't likely be as good as live weightings and some of them were clearly built for the US market and not the UK. However, if you don't mind compromising your returns because you want to do this yourself, then they would be ok. Although the risk measurements are going to be difficult. e.g. if you pick higher risk Asia investments where you are going to balance that increased risk out elsewhere in the portfolio? Do you reduce the allocation in Asia or do you use lower risked assets in say the European allocation? If you did that, would the increased risk in one region more than make up for going defensive in the other?

Those sorts of decisions and data analysis are best made with software and not off the top of your head.

Alternatively, either stick with an advised solution or go with a multi-asset fund (that does that sort of thing internally).

xylophone

http://monevator.com/passive-fund-of-funds-the-rivals/

might be worth a read.

And your SIPP platform?

http://monevator.com/find-the-best-online-broker/

https://forums.moneysavingexpert.com/discussion/5583030

Dalfman

thanks all, appreciate the input. Plenty to research and consider before making any decisions.

atush

Consult the vanguard thread on MSE. While you are looking to learn about investing (instead of hiring an IFA) the vanguard series can give you global diversity (and asset diversity depending on which one you choose).