SIPP sense check

noclaf

Thanks John, I will need to do a bit more digging about JGRE but I do hold SWLD in my S&SISA and happy to continue doing so.

FIREDreamer

noclaf said:

I have a SIPP that was setup to consolidate old DC pensions and due to a favourable platform charging structure for ETF's currently invested into VEVE/VFEM to cover Dev world/EM markets. Value is circa £129k and I don't actively trade or add cash, this is a fire and forget setup with divis set to auto invest. All self managed.

As I recently transferred my S&SISA to same platform I am questioning the need to use distributing ETF's in the SIPP as I now maintain a balance on the cash account to cover fees. I also researched other Equity ETFs; JGRE, SWLD and SWDA have at different times outperformed VEVE. JGRE seems to outperform them all over the last 3/5 years even though slightly higher fees and I am invested into both JGRE/SWLD in my S&SISA for the Equity portion.

Now for the question if you are still reading: would there be any value in spreading the £129k across 3/4 ETFS to spread my risk across a couple of established names and also take advantage of potential out-performance of one or two over the others? I  ack that I can't predict anything and accept there will be additional trading fees and a possible 'clash' of indices (FTSE Vs MSCI),  rebalancing considerations but is my proposed approach really that bad or am I wasting time and money.....thoughts welcome. Thanks.

*I have at least 15 years to retirement and a separate work DC pension (OEIC funds), no DB provision sadly so need to grow the DC's.

I split my ETFs as follows, vwrl is the worst performer all bought about 3 years ago…

noclaf

Thanks for sharing Firedreamer, I was aiming for similar albeit using different ETF's however currently undergoing paralysis by analysis and reconsidering my options..

I don't have any small cap funds across all my investments accounts so am considering instead to use a Largecap Dev Equities/EM Largecap/ dev small cap and em smallcap 4 fund split....however it would mean circa 80% of the 129k would sit in a single ETF which goes against my OP of spreading across a few similar ETF's. The joys of options.....