I am 34 years old with a DC stakeholder pension invested with Scottish Widows. I have self selected the following funds:
SW SSGA NTH AMER EQ: 70%
SW SSGA EUROPE EX UK: 10%
SW SSGA JAPAN EQ IND: 10%
EUROPEAN REAL ESTATE: 5%
SW BLK UK SMALL COS: 5%
I am investing 5% of my salary each month which my employer matches and adding a further 10% each month via salary sacrifice. The value of the fund is £101,000 at present. I'm looking to retire hopefully by 60. Can anyone advise if this is a suitable mix of funds to choose from to make up my portfolio.
Scottish Widows Fund Selection
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- Lemon Quarter
- Posts: 4265
- Joined: November 14th, 2016, 7:33 pm
Re: Scottish Widows Fund Selection
Using market weights makes more sense than what you are doing:
http://www.visualcapitalist.com/all-of- ... s-by-size/
http://www.visualcapitalist.com/all-of- ... s-by-size/
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- Lemon Slice
- Posts: 554
- Joined: November 10th, 2016, 10:04 am
Re: Scottish Widows Fund Selection
You're missing a basic UK Equity fund and Emerging Markets. I'd cull the N America to 40% and substitute with 20% UK and 10% EM.
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- Lemon Slice
- Posts: 649
- Joined: November 4th, 2016, 9:17 am
Re: Scottish Widows Fund Selection
What are the charges for those funds?