What best to do....

OldBlade

She reaches retirement age in August 2022.

My Aviva funds have lost £100 in this past year. I am invested in:
Aviva Future Focus Drawdown 2 with:

Aviva Pensions Diversified Assets Fund I S6 - 75%
Aviva Pensions Deposit S6 - 24%
Aviva Pensions Diversified Assets Fund II S6 - 1%

The pension has a base annual charge of 0.55% with no charges on the funds.

Currently I only have 10K in there and I want to bring the other SIPPs in (ca. 70K) just for ease of management really. I just find the lack of earnings so poor I'm scared I@m going to lose more!

xylophone

She reaches retirement age in August 2022.

Read the link and consider voluntary contributions at the appropriate time to bring your wife up to full NSP.

Consider the pension for your wife as outlined in previous threads.

Had you considered part annuity part drawdown?

Below may be worth a read.

https://www.thisismoney.co.uk/money/investing/article-4689676/Five-funds-invest-pension-drawdown.html

https://www.fool.co.uk/investing/2018/06/09/2-top-investment-trusts-for-retirement-income/

https://www.telegraph.co.uk/money/f-and-c-investment-trusts/how-to-invest-for-your-retirement/

https://www.moneywise.co.uk/pensions/income-retirement/three-model-portfolios-retirement-income


https://www.hl.co.uk/news/articles/five-most-popular-funds-for-drawdown-in-2017

Have you had a look at the cost comparison tool here

https://forums.moneysavingexpert.com/discussion/5583030/coolly-comparing-investment-platform-charges-snowmans-spreadsheet

You could also consider taking advice from an IFA.

OldBlade

Thank you for these reviews, a useful source.

I have previously taken advice from an IFA at the start of this 'process' but just seemed to be adding to the costs for little tangible gain.