Looking for a high risk Zurich Fund

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figrolls

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Hello,
I wish to switch my funds in a Zurich personal pension to a high risk fund equity fund (staying in Zurich)
Could anyone suggest one please?


Some background
It's worth about 30K which is about 5% of my total pot.
The rest of the pot is invested elsewhere in various pensions - a combo of Lifestyle, and managed funds (medium risk).
I am 57.
My husband has a DB , so I'm happy to go high risk with this.
 
You can see all of their pension funds and risk/reward ratings here.
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Going by their own risk ratings, something like Prisma Max might be suitable. Or maybe one of their BlackRock passively managed index trackers.

As well as choosing an appropriate fund/asset mix, you should also make sure that the charges on your pension are competitive/reasonable.
 
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Might be worth holding off doing that for a couple of months as stock prices are in a bubble likely to burst within the next 6-9 months not to mention the weakening and debasement of the US dollar that is underway. The stats are showing signs of a slow down in the US economy and employment indicating that the US is at least close to or possibly in a recession at the same time as having an uptick in inflation which is problematic. Most global stock passive trackers follow the MSCI global equities index which is heavily weighted in US equities (up to 70%) and US equities are heavily weighted in the top ten companies (Mag 7 +) which account for 40% of their weighted US indices. Diversification is key as with any investment but unfortunately what you get now is not diversified.

Just my thoughts. Timing isn't ideal but in a couple of months time it might be the perfect strategy. I know you cant time the market but if it were me I wouldn't be buying shares/stock at the current unrealistically high bubble valuations. A correction of 30-70% is likely in the short to medium term (most likely it will start by May/June 2026 but could take 2 years to bottom out at a low).
 
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Flybytheseat said:
I know you cant time the market
Click to expand...

Despite this, you do it anyway!

@figrolls - just buy a 100% equity fund.

You cannot tell in advance whether it will fall 30% over the next few months

To time the market correctly you have to guess correctly not once, but twice. You have to guess correctly that the market is overvalued now and you have to guess correctly when the market has fallen enough to be good value again.

The problem with this strategy is that the market falls 30% and you congratulate yourself on being so clever. Then while you are congratulating yourself the market jumps back up to its overvalued level.
 
Op already has the 30K already Invested in a Zurich pension Fund , for want of a better word not new money that is been invested in Equity it is money already inside a Zurich pension fund they are looking for advice on,
Op says (staying in Zurich fund)
 
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Asset allocation in a US stock market bubble

Can anyone suggest a well diversified fund from both Standard Life and Zurich that encompasses equity, bonds, emerging markets, China and rest of the world where US makes up no more than 50% of the fund ?
www.askaboutmoney.com
Congratulations, you were right to get out of US equities in March. Did you buy back in at the bottom in April, considering S&P500 is back to ATH?
 

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Markets can remain irrational longer than you can remain solvent.

John Maynard Keynes

Somewhat relevant I suppose.
 
To answer the OP I would suggest Prisma Max which is what I use myself or Zurich International Equity. I was in a Prisma 4 for a long time and the returns really disappointed me. There is no doubt with the higher risk of Prisma Max there is far more volatility eg big drop post Trump tariff announcement but complete rebound since then. Over the time horizon involved the returns should more than make up for that increase in volatility, provided you dont try to time the market by hopping in and out of the fund.
 
Corola said:
Congratulations, you were right to get out of US equities in March. Did you buy back in at the bottom in April, considering S&P500 is back to ATH?
Click to expand...
I did actually with my pension assets and got most of the recovery so year to date I'm slightly up in my pension fund which is ahead of anyone invested 100% in global equities due to the dollar debasement (MSCI global equity index is slightly negative year to date in euro terms). I'm currently moving 60% of my pension to cash and 15% to emerging markets as there is more value there. Not a fan of bonds for the forseeable.

I moved most of my non pension assets to gold, silver, platinum and the miners and these have performed spectacturely so far this year and will likely continue to outperform most other asset classes given the current debasement & inflation agenda of the elite for the dollar and other FIAT currencies. I would be doing the same with my pension assets but unfortunately the scheme I'm in doesnt have any precious metal or commodity fund options.
 
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