Soldato
- Joined
- 13 Sep 2005
- Posts
- 4,386
Which makes sense if you still have 20 years investing ahead of you.
Pension fund performance - do you monitor yours, how is it doing, do you actively change it?
- Thread starter danlightbulb
- Start date
I used to have a fund with St James. They perform poorly compared to other options, in my experience. Plus, Trump's actions are going to impact the entire stock market, not just US interests.
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Associate
- Joined
- 9 Jul 2013
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- 46
Need to be quite bullish on Capitalism to take that risk. Personally, I believe at a certain point holding 10% of your portfolio in bonds probably isn't going to have such a meaningful impact on performance, but will go really far to de-risk any market volatility depending on your total portfolio size. I'm 100% equities at the moment, and trying not to pay too much attention, and feel better about my 30% pension contributions right now with the market being where it is.
My current work pension is setup for a 50:45:5 split between the default fund, developed world, emerging markets. So it’s basically 50% into the default and 50% into world tracker.
The default fund is a managed fund with only 35.5% equity, the rest is money markets, some of which I can’t buy into easily hence why I’m keeping the default fund.
This year the world tracker part has out performed the default by 0.12%..
I also have a fund in my isa that is 20% bonds, the fund itself only makes up 5% of that isa, and 99% of that isa is in equities.. but it’s quite reassuring to see that fund being steady as my others sea saw about.
Well I’ve moved some of my pension out of S&P to my other funds.
They’ll all get hammered I’m sure, but I’m uneasy having 55% in US equity.
I had changed my future contributions split to be less US focused last month.
This month I’ve had an regular contribution go in that followed my updated investment and my annual bonus which is pretty sizable also go in.
However L&G decided the one off payment would follow my 70% us equity profile. I think because it follows your last contribution….
So I’ve probably just lost 5% of my bonus haha due to market chaos and crap L&G system. oh well
They’ll all get hammered I’m sure, but I’m uneasy having 55% in US equity.
I had changed my future contributions split to be less US focused last month.
This month I’ve had an regular contribution go in that followed my updated investment and my annual bonus which is pretty sizable also go in.
However L&G decided the one off payment would follow my 70% us equity profile. I think because it follows your last contribution….
So I’ve probably just lost 5% of my bonus haha due to market chaos and crap L&G system. oh well
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I’m with L&G increased regular payment, yearly bonus and a one off payment paid in on Wednesday and my overall pot dropped by about 1% between then and today.
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What funds are you in?
I’m in a
L&G PMC North America Equity Index Fund 3 for US and a couple of others for Europe and Europe ex uk.
Us one has taken a beating, but overall its had amazing returns the last few years, basically back so where I was in October.
I think broadly I’ve seen slightly more than 1% drop this week overall.
I should stop looking. I’m going to move some again into a high yield bond and also start contributions into them. I’m 45 and need to start thinking about a move from equities in the next year or so.
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If you work at the same place as me, the default fund is called "Diversified Fund" and it's worth staying in it imho, as there's money markets that is very hard to buy into otherwise, I'm in that for 50%, L&G PMC Global Developed Equity Index Fund 3 for 45% and L&G PMC World Emerging Markets Equity Index 3 for 5%...
I've just been doing some maths on my old DB pensions... I worked in public selector for over 10 and half years in three different places.
it turns out that if I worked there for 40 years in similar roles, I would get a pension around 24K. Adding that to the state pension would equal the "Moderate" retirement.
Scary stuff considering more than inflation payraises and promotions are rare in the public selector, and there's limited options to pay additional amounts towards it.
it turns out that if I worked there for 40 years in similar roles, I would get a pension around 24K. Adding that to the state pension would equal the "Moderate" retirement.
Scary stuff considering more than inflation payraises and promotions are rare in the public selector, and there's limited options to pay additional amounts towards it.
Same as you - I put in 30% of my own + my employer contributions on top
Dropped a chunk in last night but left it as cash until decide what to do with it. Either a short-term money market fund with Vanguard or just DCA into VHVG. Like others have lost majority of gains over the past year but not touching pension for a couple of decades at least so carry on as normal.
It’s also free cash with top up, if not at pension allowance cap already, and compound interest… yaddayaddayadda..
Aye, I was up just over 13% until a certain criminal came back to the White House.
I’m now still up, but it’s dropped to 5.5%. Still, this is the long game and my fire strategy is still on course.
It will never be a straight line up. There would be no equity premium if that were the case.
Yep. Play the long game. Can’t beat the markets.Double digit intra year declines are nothing unusual.
In theory it would have meant that it had dropped less, but its not always the case. Hard to say without specifics.