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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
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.