Large DC pension - stick with insurance company or move to SIPP with HL/II ?

BlisteringBarnacles

The news about ABRDN is re-assuring. Thanks for that, Albermarle.

Aegon was the pension provider in my last employer. We had a pensions advisor who worked for an intermediary company and he was the go-between between us (employees) and Aegon. A pleasant and helpful chap. He mentioned that non residency will not be a problem. I will be unable to transfer SIPPs in after becoming non resident but no other restrictions. 

One advantage I have here is I can always drop him a mail and he will help out. Almost like a free pensions adviser / wealth manager. We have that personal relationship which doesnt hurt. But at 0.4% platform charges capped to £250k, i.e £1000 extra per year, its not necessarily cheap.

This was the fund I mentioned :
https://digital.feprecisionplus.com/documents/aegonc/en-gb/MVTM/FSORAD

Difficult to extract the performance of the lifestyled flavour, i.e the no-equities version.

Also wanted to say thanks to everyone on this board. feels good to get replies. Cheers

BlisteringBarnacles

At the end of the day I must decide for myself and nobody else can decide for me. There is no perfect decision. When I cannot decide between 2 options I mix them if possible - try to have them both.
So let me state my decision then and may I request you to review it please ?
Funds : Taxable=100k, ISA=400k, SL.Sipp=100k Aegon.Sipp=900k
This is the plan I am thinkng of : Move the 100K Standard Life SIPP to HL,II. Leave the 900K with Aegon. Take 25% lumpsum.

After this I get : HL/II : taxable = 350k. ISA = 400k  SIPP = 75k : Total = 825k : Split more or less equally between HL and II. AA : 500k in stocks, 325k in bonds : Thats plenty of bonds for my favourite Vanguard/ishares bond funds. That leaves  675k in Aegon for which I use the default UBC Flexible which should be mostly bonds. Expenses = 0.13% + (0.40% platform capped to £1000) = 0.27%  : With this approach I get a little bit of everything.

This is the fund : It probably doesn't perform too bad altho unable to get any performance results for the pure bond version.
https://digital.feprecisionplus.com/factsheethtml/aegonc/en-gb/aegonc/?TypeCode=FA:MVTM&specialunittype=ORDN&MPCategoryCode=&Category=&priipproductcode=&documentcountry=&Category2=&RangeCode=87200180
https://digital.feprecisionplus.com/documents/aegonc/en-gb/MVTM/FSORAD

Thoughts ?

Thanks.