Standard Life Pension Fund Advice

Hi All,

I am looking for some advice as to which funds I should invest my pension.

I have one previous pension worth £3689 with Aegon which is in the proccess of being transfered to Standard Life.

My current Stand Life pension is currently at £14472.20 invested in the Standard Life Passive Plus V Pension Fund. I changed to this from the standard Passive Plus III Pension Fund with a view to increase the risk and hopefuly see better returns. I am 31 so have many years ahead to invest.

I recently completed an online risk analysis with our companies pension adviser which gave me a risk rating of 7 out of 7.

Based on this they have recomended I switch to the following funds. Does anyone have any thoughts as to whether this is a good move?

SL Blackrock Aquila Connect World ex-UK Equity Pension - 84%
SL Vanguard FTSE UK All Share Index Pension - 7%
SL Vanguard Emerging Markets Stock Index Pension - 9%

American Equities 53%
European ex-UK Equities 16%
UK Equities 7%
Japan Equities 9%
Global emerging markets 9%
Pacific Ex Japan Equities 6%

Thanks!

Comments

  • Brynsam
    Brynsam Posts: 3,643 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
    Have you read the information sheets for each fund? Do they meet your risk tolerance?
  • Prism
    Prism Posts: 3,797 Forumite
    First Anniversary Name Dropper First Post
    These are all fine passive index funds and the allocation pretty much matches the MCSI world index
  • Murphy_
    Murphy_ Posts: 16 Forumite
    First Post Combo Breaker First Anniversary
    Thanks for the replies.

    I'm happy with a high level of risk with the hope that this will pay off in the long term.

    I am however also invested in VLS 100 for my ISA so unsure whether it's smart to have all my investments in high risk funds.
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