Following the flowchart, I’ve noticed my workplace pension charges about 0.6% for an actively managed lifestrategy fund, which is too much!
Now keen to follow Tim Hale and this sub’s advice, looking to move to passive Equity funds (30+ years to retirement) with TERs of 0.1% on the workplace platform.
Now on the workplace platform, I can choose passive Equity funds which are U.K., World Ex. UK, Europe ex U.K., North America, Japan, Asia ex Japan, (+an EM active fund)
Is there any good guidance on how to split between geographies?
E.g how do the best vanguard funds split between geographies? Is it better to higher weight U.K. to remove currency risk?
Now keen to follow Tim Hale and this sub’s advice, looking to move to passive Equity funds (30+ years to retirement) with TERs of 0.1% on the workplace platform.
Now on the workplace platform, I can choose passive Equity funds which are U.K., World Ex. UK, Europe ex U.K., North America, Japan, Asia ex Japan, (+an EM active fund)
Is there any good guidance on how to split between geographies?
E.g how do the best vanguard funds split between geographies? Is it better to higher weight U.K. to remove currency risk?