Am I overlapping ?

MX5huggy

You’re looking at putting £155 ish per month into this. It doesn’t matter if you have a bit of UK or not. 

If you wanted to replicate an all world you would put 96% in the Blackrock fund and 4% into the UK index tracker.  The Blackrock fund will give you a higher percentage in Apple than you will have in the UK (yes Apple is worth more than the whole of the UK stock market).

Most people would say holding 4% is just unnecessary complexity. 

I have a much more limited choice in my AVC (I think 7 funds including cash). 50% goes to positive impact, 25% each to international equity and a with profits fund. 

Venomspread3r

Thanks @MX5huggy that makes a lot of sense 

Venomspread3r

Your last post @MX5huggy has got me thinking & got me doubting myself aswell 

My entire portfolio is 

Work pension 45% Blackrock Global ex UK 
ISA 45% Invesco All World 10% Gold 

I'm 41 with looking to attack things Aggressively for the next 14/15 years then scale it down  - had my work place pension NOT offered the Salary Sacrifice I would just dump all my money into the ISA but the AVC feels like a no brainer it's free money but I feel this is a bit of a mess.

Any thoughts - I just want set and forget which I feel like I had with my ISA but the AVC has come along and complicated things don't get me wrong I'm glad I have it but yeah am I overthinking?
Should I just ditch the FTSE all world ISA and attack the work place pension & add 4/5% UK equity like @MX5huggy suggested into the work place pension making it 90% of my portfolio in my AVC & just save my 10% gold on invest engine having two all worlds seems silly I don't know 

Thoughts anyone ?