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That doesn't look too bad.
it's basically 75% equities / 25% bonds.
charges aren't too bad, 0.05%You may or may not want to be in bonds. And you could probably find slightly lower fees, but not much.
Indexing in a pension is not rocket science. If you read three articles and did a basic spreadsheet, that would do it.
Invest and forget is a good strategy. Beats dabbling more often than not.
frank9755-
did a basic spreadsheet
and for that reason... I'm out.
The simple fact is: I don't really care, which is a nice position to be in, but it means that generally me doing something is better than me doing nothing - even if the something is "wrong". Like, I'm not going to stick all my money into Marvel Comic design tea cosies or some shit, so if I can get it out of the bank and into any kind of fund it'll probably do better than if I just got cash and let it sit around.
hippy
Aegon Default Equity & Bond Lifestyle Pension Fund
https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B9M5YQ97:GBP
That's the default one. Dunno if I can add other funds or what. I have a SIPP from when I ran a ltd company that I could dump money into. But I'd just use tracker funds with little real idea of what I'm doing. It's making money but I've nothing to compare with so who knows.
That's the benefit of paying off the mortgage - you don't need to give a shit if things are going good or bad - it's simply "I owe some pricks less money now"