Funds selection for pension

noclaf

I've been thinking this through and come to the conclusion that I might aswell transfer the full old pension into my SIPP, just to make it easier to manage the allocations and one less platform to worry about. My S&SISA is with Vanguard and LISA with AJBELL so I am spread across platforms already.

Next up is how I setup my portfolio, below is my initial view on allocations. I am in a state of paralysis by analysis as there are too many options and potential combinations but my basis for the selections is further below, the total value is just above £120k:

1. VEVE or HMWO 70%

2. VFEM or similar EM ETF 10%

3 . iShares MSCI World Small Cap UCITS ETF USD (WLDS) 10%

4. Franklin FTSE India UCITS ETF 10%

I use VEVE in my LISA so am thinking mix it up using a non-vanguard fund such as HMWO, potentially I could cover 1 and 2 using a single fund such as VWRL and pay a bit more on fund fees though conversely would save on intitial and ongoing ETF transaction fees. The overweighting to India is a punt but I do feel the country is on a upward trajectory..whether that will translate into good investment performance we shall wait and see.

Would welcome feedback/critique on the above, for the total value am I over-cooking it...I did at one point think just stick the whole lot in either VEVE/VWRL/HMWO but trying to keep it reasonably 'diversified' too whilst avoiding excess transaction costs...tricky balancing act.