Nutmeg fully managed portfolio for pension

Yanling

Thanks Valiantson.
Last week Americans market decreased a lot. Not sure go for balanced or dynamic?
I am going to invest for about 12 years with 10k in this year and 1k per month after. I don’t have a personal person.
What would be your opinion? folks :j

ValiantSon

Yanling wrote: »

Thanks Valiantson.
Last week Americans market decreased a lot. Not sure go for balanced or dynamic?
I am going to invest for about 12 years with 10k in this year and 1k per month after. I don’t have a personal person.
What would be your opinion? folks :j

How risk averse are you?

Honestly, in your position, I would go for the balanced fund. I'm not convinced that with only 12 years investment period you would benefit from a high equity weighting; a crash during that time might just leave you out of pocket. The balanced fund has a greater chance of returning decent positive growth over that time frame.

OceanSound

I've been looking at the HSBC Global Strategy Balanced Portfolio C Acc. It seems 30.5% of the fund is invested in U.s Equity.

My current provider Aviva (Fund: Av Managed FP Pn) has 30.88% invested in global fixed interest. Friends provident had switched my pension to aviva in March 2018. Seems it'll take about 12 months to see some real growth. If I transfer to HSBC the 12 months clock will have to be restarted.

Anyway, U.S stock market hasn't been performing particularly well lately.

LHW99

Anyway, U.S stock market hasn't been performing particularly well lately.

Which unfortunately is "no guide to the future".
The US stockmarket represents a large part of the global scene, so although you might decide that proportion is high if you are making up your own portfolio, in a balanced global fund it is probably an expected level.