gnf_ireland
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Thanks Rob - is this across multiple funds or a single fund? I assume it is with an insurance company? Any breakdown on industry, capitalisation or region?100% invested in equities
Thanks Rob - is this across multiple funds or a single fund? I assume it is with an insurance company? Any breakdown on industry, capitalisation or region?
Have you given any consideration to property (even REIT's) or alternatives/commodities etc?
And can I cheekily ask the approximate size of the pot in relation to your relative salary (ballpark) to try quantify the risk? You can PM this if you prefer not to publish it !
@Gordon Gekko noted re 100% Equities versus the multi-asset funds, and this is something I will look into.As an aside, I think that yours is too conservative.
good approach if you are in a position to do so !Yes, but I’d like to get to the limit and then access it early.
Well, I take the view that what is owed (or owned) outside a pension vehicle is very relevant to any rational discussion about asset allocation. A mortgage is effectively a “negative bond” at the end of the day (it’s money you owe somebody else, plus interest).The existence of debt outside of the fund has no relevance to the asset allocation for the fund.
I’m 100% in Equities; very recently, I moved 1/3 of it to Emerging Market Equities, given they’ve fallen by circa 25%, with the balance remaining in Global Equities.
Well, I take the view that what is owed (or owned) outside a pension vehicle is very relevant to any rational discussion about asset allocation. A mortgage is effectively a “negative bond” at the end of the day (it’s money you owe somebody else, plus interest).
Considering individual account balances (positive or negative) in isolation is just “mental accounting”.
That’s not to say that I think it is inappropriate for somebody to contribute to a pension while carrying a mortgage.
I simply think that asking how do you allocate your pension savings in isolation is meaningless.
@steven - can I ask if this is via a SSAP or with insurance companies?100% equity including some exposure to smaller companies. Not bothered with short term values of it.
Whether someone with €350k in his/her pension fund and >20 years to go to retirement has a mortgage or doesn’t have a mortgage should have no impact on his/her risk profile.
I think it’s unwise to focus on any particular account in isolation.
@steven - can I ask if this is via a SSAP or with insurance companies?
How many funds (or ETF's) have you invested in ? Do you consider REIT's as equities?
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