Comparing 2 pensions help needed

Deano37

Hi everyone, I am after a little help, my old work place pension is in the peoples pension and invested In B&CE GI upto 85% shares, ballanced portfolio. 

I am debating moving to vanguard and putting it into the global all cap index fund sipp.

I struggle to see what has preformed better I imagine it's the all cap and 60% In north America compared to 40% in the people pension.


I pulled up 2 fact sheets and found the figures bellow what I think confirms my thoughts, there isn't a great deal in there but if I can make it work harder I will as I am only 35.

Any help or advice is greatly appreciated.
thanks dean

dunstonh

Hi everyone, I am after a little help, my old work place pension is in the peoples pension and invested In B&CE GI upto 85% shares, ballanced portfolio. 

I am debating moving to vanguard and putting it into the global all cap index fund sipp.

I struggle to see what has preformed better I imagine it's the all cap and 60% In north America compared to 40% in the people pension.

When looking at past performance the one with the most US equities and least bonds would have done the best as they have been the best and worst areas in the last 7 years.

LHW99

dunstonh said:

Hi everyone, I am after a little help, my old work place pension is in the peoples pension and invested In B&CE GI upto 85% shares, ballanced portfolio. 

I am debating moving to vanguard and putting it into the global all cap index fund sipp.

I struggle to see what has preformed better I imagine it's the all cap and 60% In north America compared to 40% in the people pension.

When looking at past performance the one with the most US equities and least bonds would have done the best as they have been the best and worst areas in the last 7 years.

Unfortunately there is no certainty whether that will remain the case for the next 7, let alone the next 37

dunstonh

LHW99 said:

dunstonh said:

Hi everyone, I am after a little help, my old work place pension is in the peoples pension and invested In B&CE GI upto 85% shares, ballanced portfolio. 

I am debating moving to vanguard and putting it into the global all cap index fund sipp.

I struggle to see what has preformed better I imagine it's the all cap and 60% In north America compared to 40% in the people pension.

When looking at past performance the one with the most US equities and least bonds would have done the best as they have been the best and worst areas in the last 7 years.

Unfortunately there is no certainty whether that will remain the case for the next 7, let alone the next 37

Absolutely.  And historically, global equities and US equities have taken it in turns over cycles.    

Deano37

Thanks for that, yeah just trying to decide if best to put pension into a sipp and in the all cap or leave where it is, the picture shows the returns, what's your opinion you think the all cap would work out better over time ?

Thanks dean

Albermarle

Deano37 said:

Thanks for that, yeah just trying to decide if best to put pension into a sipp and in the all cap or leave where it is, the picture shows the returns, what's your opinion you think the all cap would work out better over time ?

Thanks dean

With the info you have posted, the time periods are different so you are not comparing like with like. This can make significant differences.
Even from 31/01 /2024 to 31/03/24, markets have improved quite a bit.

Historically a 100% equities investments will do better in the long term than a 85% one. However:
Long term could mean up to 15 years and even this is not guaranteed.
Plus the 100% will be more volatile which can be a bit scary.