Pension Investment Options?

Stevenic

My company has recently changed over to a new pension provider, Fidelity International and the policy comes with the following default investment options:

Fidelity BGI UK Equity Index Class 8 - 20%
Fidelity BGI World (ex-UK) Fund Class 8 - 15%
Fid Newton 60:40 Global Equity Fund Cls - 55%
Fid Standard Life Select Property Fd C8 - 10%

I am looking for a medium high risk option for the next 5 to 7 years, so is this a good mix for me or is it too safe?

purch

That mix would IMO be classed at the Higher end of the Medium Risk Category

EdInvestor

What other choices are there?

Stevenic

Thanks for the replies, here is the list of funds available:

Fid Baillie Gifford 5050 WorldWide Eq C8
Fid Baillie Gifford 6040 WorldWide Eq C8
Fid Baillie Gifford UK Eqty Focus Cls 8
Fid BGI Corp Bnd Indx Fnd All Stcks Cls8
Fid BGI Over 5 yr UK Indx-Lnkd Gilt Cl8
Fid Emerging Markets Eqty Pensions Fd C8
Fid International Bond Pensions Fund Cl8
Fid JPMF Life Global Equity Fund Cls 8
Fid JPMF Life UK Specialist Equity Cls 8
Fid Newton 60:40 Global Equity Fund Cls
Fid Newton International Growth Fd C8
Fid Newton Long Corporate Bond Fd Cls 8
Fid Pre-Retirement Bond Pensions Fd Cls8
Fid Standard Life Managed Fund Class 8
Fid Standard Life Select Property Fd C8
Fid UBS Global Optimal (Thirds) Fund C8
Fid UK Aggregate Bond Pensions Fund C8
Fid UK Long Corporate Bond Pen Fd C8
Fid UK Multi-Manager Plus Pens Fd Cls 8
Fidelity BGI Cash Fund Class 8
Fidelity BGI Consensus Fund Class 8
Fidelity BGI Global Equity 50:50 Class 8
Fidelity BGI Long Term Fund Class 8
Fidelity BGI Over 15 yr UK Gilt Indx Cl8
Fidelity BGI UK Equity Index Class 8
Fidelity BGI World (ex-UK) Fund Class 8
Fidelity Cash Pensions Fund Class 8
Fidelity European (ex UK) Equity Fd Cls8
Fidelity F & C Stewardship Fund Class 4
Fidelity Global Equity 50:50 Fund Cls 8
Fidelity Global Equity 6040 Fund Class 8
Fidelity Global Equity 70:30 Fund Class
Fidelity HSBC Life Amanah Pensions Fd C4
Fidelity Index Linked Bond Fund Class 8
Fidelity International Equity Fund Cls 8
Fidelity Japanese Equity Pensions Fund C
Fidelity JPMF Life Balanced Fund Class 8
Fidelity Long Term Growth Fund Class 8
Fidelity Newton Global Balanced Fd Cls 8
Fidelity Newton UK Equity Fund Class 8
Fidelity North American Equity Fund Cls8
Fidelity Pacific Equity Fund Class 8
Fidelity Pension Annuity Fund Class 8
Fidelity UBS Global Allocation Fund (UK)
Fidelity UBS UK Select Fund Class 8
Fidelity UK Corporate Bond Fund Class 8
Fidelity UK Equity Fund Class 8

Any ideas on which funds I should be looking into or avoiding would be appreciated.

EdInvestor

Yiu can check out their performance here:

https://www.citywire.co.uk/Funds/Home.aspx

dunstonh

You may find stats not available on many of those funds as they appear to be institutional funds not retail funds. You can assume some are basically similar to their retail version but some may not have a retail version so you will have to look at where they invest and make a judgement.

Stevenic

Thanks guys, I'm going to keep an eye on their performance over the next year and then start to spread the money about to cover as many bases as possible.

dunstonh

Remember that performance doesnt mean you pick the ones that have done well. Look at the ones that have dropped and see if they offer value.

whiteflag_3

Stevenic wrote: »

My company has recently changed over to a new pension provider, Fidelity International and the policy comes with the following default investment options:

Fidelity BGI UK Equity Index Class 8 - 20%
Fidelity BGI World (ex-UK) Fund Class 8 - 15%
Fid Newton 60:40 Global Equity Fund Cls - 55%
Fid Standard Life Select Property Fd C8 - 10%

I am looking for a medium high risk option for the next 5 to 7 years, so is this a good mix for me or is it too safe?

What growth ( if any) do you need to reach your retirement goals? Do you need to be taking a "medium high risk" option if you only have a five to seven year investment window?

whiteflag_3

Fid Baillie Gifford 5050 WorldWide Eq C8
Fid Baillie Gifford 6040 WorldWide Eq C8
Fid Baillie Gifford UK Eqty Focus Cls 8
Fid BGI Corp Bnd Indx Fnd All Stcks Cls8
Fid BGI Over 5 yr UK Indx-Lnkd Gilt Cl8
Fid Emerging Markets Eqty Pensions Fd C8
Fid International Bond Pensions Fund Cl8
Fid JPMF Life Global Equity Fund Cls 8
Fid JPMF Life UK Specialist Equity Cls 8
Fid Newton 60:40 Global Equity Fund Cls
Fid Newton International Growth Fd C8
Fid Newton Long Corporate Bond Fd Cls 8
Fid Pre-Retirement Bond Pensions Fd Cls8
Fid Standard Life Managed Fund Class 8
Fid Standard Life Select Property Fd C8
Fid UBS Global Optimal (Thirds) Fund C8
Fid UK Aggregate Bond Pensions Fund C8
Fid UK Long Corporate Bond Pen Fd C8
Fid UK Multi-Manager Plus Pens Fd Cls 8
Fidelity BGI Cash Fund Class 8
Fidelity BGI Consensus Fund Class 8
Fidelity BGI Global Equity 50:50 Class 8
Fidelity BGI Long Term Fund Class 8
Fidelity BGI Over 15 yr UK Gilt Indx Cl8
Fidelity BGI UK Equity Index Class 8
Fidelity BGI World (ex-UK) Fund Class 8
Fidelity Cash Pensions Fund Class 8
Fidelity European (ex UK) Equity Fd Cls8
Fidelity F & C Stewardship Fund Class 4
Fidelity Global Equity 50:50 Fund Cls 8
Fidelity Global Equity 6040 Fund Class 8
Fidelity Global Equity 70:30 Fund Class
Fidelity HSBC Life Amanah Pensions Fd C4
Fidelity Index Linked Bond Fund Class 8
Fidelity International Equity Fund Cls 8
Fidelity Japanese Equity Pensions Fund C
Fidelity JPMF Life Balanced Fund Class 8
Fidelity Long Term Growth Fund Class 8
Fidelity Newton Global Balanced Fd Cls 8
Fidelity Newton UK Equity Fund Class 8
Fidelity North American Equity Fund Cls8
Fidelity Pacific Equity Fund Class 8
Fidelity Pension Annuity Fund Class 8
Fidelity UBS Global Allocation Fund (UK)
Fidelity UBS UK Select Fund Class 8
Fidelity UK Corporate Bond Fund Class 8
Fidelity UK Equity Fund Class 8

EdInvestor wrote: »

Yiu can check out their performance here:

www.citywire.co.uk/Funds/Home.aspx

yes keeping it simple!;)

Stevenic

whiteflag wrote: »

What growth ( if any) do you need to reach your retirement goals? Do you need to be taking a "medium high risk" option if you only have a five to seven year investment window?

This is the first company I worked for that has fairly decent provision, I contribute 5% and they add 7.5%. I'm a higher rate tax payer so it's not really costing me too much but at the moment my pension provision is quite small.

I have a window of 5 - 7 years to try and boost my pension pot before I would need to drop back to a safer position for around 10 years, well that's the plan anyway.