People's pension fund choice

Onestepcloser

I'm looking at 2 fund choices for my people's pension.

B&CE global investment (upto 100% shares) highest percentage of investment is financials at about 25% with technology about 15% the rest made up industrial, oil and gas amongst other.

Other one is HSBC sharia 100% equities highest holdings is in technology at nearly 50%, healthcare at 20% financial is at the lowest holding at 0.6%

I've still got about 25 years till I fully retire and don't have much of a pot at the moment so want to be as aggressive as possible for at least the next 20 years at least in this pension.
I also think technology is still going to be the dominant sector for the foreseeable future, which is why I'm thinking sharia fund.  
Anything I'm missing regarding these two funds? I'm assuming or I hope the facts are  accurate on the peoples pension website. 

Will have a look at morningstar regarding the two but don't find it very user friendly for beginners, so hoping some of the knowledgeable members can throw some input my way.

Cheers.

csgohan4

Don't discount IT or ETF's either. 

if your after tech, there's the Legal and general Tech fund as well

however you could split your portfolio by sectors rather than geography, so a high tech fund, healthcare fund, green energy fund is also reasonable.

I would also consider getting an Emerging market fund and an active Small cap fund/IT

Might be a good time to fill your boots in tech with shares dropping recently

RolandFlagg

Depends how long you have before needing to cash out and how aggressive you want to be.
If you like Tech and Growth Companies, take a look at Ballie Giffords funds: American Growth and Positive Change.

Onestepcloser

As far as I'm aware there is only about a dozen funds to choose from within B&CE website, unless I'm missing something.

I will not be looking to cash this pension out until retirement age which is 67,so potentially 25 years. I will hopefully have a SIPP as well as isas for me and the wife, not mention working too. I don't mind being as agressive as possible for a minimum of 20 years before reevaluating.

AnotherJoe

From the constituents you mentioned that make it up, I'd steer well clear of B&CE. 

Onestepcloser

AnotherJoe said:

From the constituents you mentioned that make it up, I'd steer well clear of B&CE. 

That's who my workplace pension is with.

rjmachin

I'm with B&CE as well for my workplace pension, but on the 85% shares one (Balanced Profile).  Mine is made up of:

1		Financials	24.78%
2		Technology	15.00%
3		Industrials	13.00%
4		Health Care	10.62%
5		Consumer Goods	9.59%
6		Consumer Services	8.66%
7		Utilities	5.91%
8		Basic Materials	5.42%
9		Telecommunications	3.97%
10		Oil & Gas	3.05%

I have been tempted to increase this to Adventurous Profile.
In the 6 months since March, both seem to have increased by about 2%, and in 5 years, Balanced has increased by 54% and Adventurous by 58%

Onestepcloser

rjmachin said:

I'm with B&CE as well for my workplace pension, but on the 85% shares one (Balanced Profile).  Mine is made up of:

1		Financials	24.78%
2		Technology	15.00%
3		Industrials	13.00%
4		Health Care	10.62%
5		Consumer Goods	9.59%
6		Consumer Services	8.66%
7		Utilities	5.91%
8		Basic Materials	5.42%
9		Telecommunications	3.97%
10		Oil & Gas	3.05%

I have been tempted to increase this to Adventurous Profile.
In the 6 months since March, both seem to have increased by about 2%, and in 5 years, Balanced has increased by 54% and Adventurous by 58%

That's one of the funds I'm looking at, I've already set it to the adventurest profile.

tel_

csgohan4 said:

I would also consider getting an Emerging market fund and an active Small cap fund/IT.

What about Vanguard's Emerging Markets Stock Index Fund GBP Acc?

Weightings
Technology 18.53%
Financial 18.06%

Ongoing charge 0.23%, but no UK stock.

What are peoples thoughts on it?

csgohan4

tel_ said:

csgohan4 said:

I would also consider getting an Emerging market fund and an active Small cap fund/IT.

What about Vanguard's Emerging Markets Stock Index Fund GBP Acc?

Weightings
Technology 18.53%
Financial 18.06%

Ongoing charge 0.23%, but no UK stock.

What are peoples thoughts on it?

Why specifically vanguard? have you compared them to other EM type funds? Accumulative performance, weightings that suit your strategy?

Don't limit yourself to just VG. Although I held their developed Ex UK fund previously, I switched to a more active fund which hopefully will be better in the long term. 

I chose a pacific ex Japan fund instead for my portfolio, personal preference

Fly100

Just moved one of mine to Vanguard.

50% Target retirement 2040

25% S&P 500

25% Lifestyle 60

Fly.