Fidelity Pension

Therooster100

My workplace pension is invested with Fidelity (I am 27 and have 65K in Work Place Pension) 
I just wanted to check if my funds are decent ones to be invested with for the long term as the performance (like all my investments) has taken a hit the past 12 months.

The funds are:

Fid Baillie Gifford UK Equity Alpha C5 (KGUV) 19.46%

Fid Baillie Gifford UK and WorldWide Equ (KGWV) 20.41%

Fid HSBC UCITS Cm Cont Islmic Glb Eq Cl4 (KHAF) 53.77%

Fid BlackRock US Equity Index Fund Cl 5 (KBYV) 4.24%

Fid BR World ESG Equity Tracker Fund C12 (KTXL) 2.12%

With ongoing investments into 
Fid Baillie Gifford UK Equity Alpha C5 (KGUV) 10%
Fid Baillie Gifford UK and WorldWide Equ (KGWV) 10%
Fid HSBC UCITS Cm Cont Islmic Glb Eq Cl4 (KHAF) 50.00%
Fid BlackRock US Equity Index Fund Cl 5 (KBYV) 20%
Fid BR World ESG Equity Tracker Fund C12 (KTXL) 10%

I have invested into the HSBC Islamic EQ for a while with a previous pension and bar the past 12 months has always performed strongly. 
Any feedback I would really appreciate! 

dunstonh

BG funds tend to be higher risk than equivalent funds in their sectors.  They also have a growth bias rather than value.   That did them well during the tech boom years but it has caused them issues during the period when the market favoured value over growth.

I have invested into the HSBC Islamic EQ for a while with a previous pension and bar the past 12 months has always performed strongly. 

You should have seen wobbles in 2020, 2018, 2015/16 and 2008.  However, the bulk of the period upto late 2021 would have been good.  2022 was a mare.

Therooster100

dunstonh said:

BG funds tend to be higher risk than equivalent funds in their sectors.  They also have a growth bias rather than value.   That did them well during the tech boom years but it has caused them issues during the period when the market favoured value over growth.

I have invested into the HSBC Islamic EQ for a while with a previous pension and bar the past 12 months has always performed strongly. 

You should have seen wobbles in 2020, 2018, 2015/16 and 2008.  However, the bulk of the period upto late 2021 would have been good.  2022 was a mare.

2022 was 100% a mare! 
Thank you, given the time on my side I am happy with higher risk for greater reward at the moment but I am just conscious how much of decision it is to make sure the funds are invested correctly. I didn't want to follow the standard one offered from Fidelity as it didn't seem to perform well.

Good mention on BG I will review the other ones in the sector.