My occupational pension fund is currently split like this:
37% irish life global equity fund (fee is 0.09%)
35% irish life high growth fund (0.35%)
22% blackrock i shares (equity fund) (AMC is 0.18%, TER is 0.19%)
6% zurich life performance fund (AMC is 0.24%,TER is 0.28%)
Does anyone have any comment or advice on this split in terms of optimising it for high growth/high risk? My horizon is 20 years.
The last two funds are in a legacy pension from an old job. I can probably combine this into the top two funds but id rather leave it as it gives me more options. So i guess i cannot do anything else re these funds. Their charge seems high.
The top two i can switch if i like.
The 2nd fund states that expected return is 4.5% above cash deposits. This doesnt seem good to me and im wondering should i combine that fund into the 1st one.
Any and all feedback most welcome!
Thanks.
37% irish life global equity fund (fee is 0.09%)
35% irish life high growth fund (0.35%)
22% blackrock i shares (equity fund) (AMC is 0.18%, TER is 0.19%)
6% zurich life performance fund (AMC is 0.24%,TER is 0.28%)
Does anyone have any comment or advice on this split in terms of optimising it for high growth/high risk? My horizon is 20 years.
The last two funds are in a legacy pension from an old job. I can probably combine this into the top two funds but id rather leave it as it gives me more options. So i guess i cannot do anything else re these funds. Their charge seems high.
The top two i can switch if i like.
The 2nd fund states that expected return is 4.5% above cash deposits. This doesnt seem good to me and im wondering should i combine that fund into the 1st one.
Any and all feedback most welcome!
Thanks.