Pension Preservation
Posted: January 26th, 2017, 7:53 pm
In two years I’ll be 55 and have a DC pension held in Standard Life.
Up until now, I have my money allocated across the following funds, but I’m thinking I need to move it into something that’s maybe a bit more conservative in an effort to take out the volatility. I’ve been pleased with the growth up until now, but it goes up and down like the proverbial. I’d like to settle it down a bit, so what should I consider doing? (I've indicated the % of the money that is being held in each fund).
SL SLI UK Smaller Companies Pension Fund 10%
Standard Life Asia Pacific ex Japan Equity Pension 14%
Standard Life FTSE Tracker Pension Fund 22%
SL SLI UK Opportunities Pension Fund 2%
SL Invesco Perpetual Corporate Bond Pension Fund 7%
SL Invesco Perpetual High Income Pension Fund 7%
SL Vanguard UK Government Bond Index Pension Fund 7%
Standard Life 70:30 Gbl Equity Trk (Vanguard) Pn 7%
SL Fidelity Global Special Situations Pension Fund 25%
Up until now, I have my money allocated across the following funds, but I’m thinking I need to move it into something that’s maybe a bit more conservative in an effort to take out the volatility. I’ve been pleased with the growth up until now, but it goes up and down like the proverbial. I’d like to settle it down a bit, so what should I consider doing? (I've indicated the % of the money that is being held in each fund).
SL SLI UK Smaller Companies Pension Fund 10%
Standard Life Asia Pacific ex Japan Equity Pension 14%
Standard Life FTSE Tracker Pension Fund 22%
SL SLI UK Opportunities Pension Fund 2%
SL Invesco Perpetual Corporate Bond Pension Fund 7%
SL Invesco Perpetual High Income Pension Fund 7%
SL Vanguard UK Government Bond Index Pension Fund 7%
Standard Life 70:30 Gbl Equity Trk (Vanguard) Pn 7%
SL Fidelity Global Special Situations Pension Fund 25%