Hi New joiner to AAM. Am self employed and manage my own pension, aged 40. Read a lot of investment books but no way a guru. Am satisfied with my approach which is to focus on low cost index linked funds/ETFs rather than more expensive actively managed products. I keep a small amount on the side to gamble. I minimise trading activity and try to keep my all in pension costs as low as I can. That means a friendly trustee who really couldn't do it any cheaper, a telephone execution account only with Davy and avoiding the general industry hard sell like the plague. I'm looking for views on the best S&P 500 low cost index fund/ETF with decent cororelation and above all currency protection. Not sure I have the stomach for longer term EUR/USD risks looking for a product that will provide hedging also. I sold out my pension investments (mainly ETFs which did well but then anyone with a heartbeat couldn't have gone wrong the last few years) and put the vast majority into a Rabo direct deposit this time last year and have sat on it. I think markets overvalued but am taking a 20 year plus view with my pension so have decided to put a portion into a low cost S&P fund/ETF. I plan to drip it in over the next 24-36 months and forget about it for 20 years bar monitoring it. Appreciate any advice on best products to look at.