Irish Life Pension & Lifestyling

Any suggestions on what percentage i shouuld have in each of the below funds?

I think my company investments sit in the default funds.

Any advice on where i should have them? I'm 48.

Irish Life Navigate Annuity Bond S1 (NV2E)
Irish Life Navigate Cash Fund S1 (NV2D)
Irish Life Navigate Cautious Growth Fund S1 (NV2K)
Irish Life Navigate High Growth Fund S1 (NV2I)
Irish Life Navigate Low Volatility Equity Fund S1 (NV2B)
Irish Life Navigate Moderate Growth Fund S1 (NV2J)
Irish Life Navigate Quality Equity Fund S1 (NV2A)
Irish Life Navigate World Equity Fund S1 (NV2C)
 
delg said:
I think my company investments sit in the default funds.
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Shouldn't you check first to be sure what the current asset/fund allocation is?
delg said:
Any advice on where i should have them? I'm 48.
Click to expand...
You're probably going to get wildly varying feedback on such a question.
As evidenced by recent discussions some people believe that "lifestyling" is a useful and effective hedge against volatility and sequence of returns risk.

Should retirees be 100% invested in equities?

I have a pension with Irish Life and am 7 years to retirement. I noted today that I am now in 2 funds Empower Growth Fund (Risk Rating 4) Empower Stability Fund ( Risk Rating 2) I am being "sheperded" into low risk funds the closer I get to retirement. I will take an ARF self administered...
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Others (I'd probably sit in this camp) would be more gung ho about going for all equities on the basis that your investment horizon is your lifetime and maybe even beyond.

Key Post - Pensioners should have 100% of their retirement funds in equities

Marc has raised the question here: https://www.askaboutmoney.com/threads/should-retirees-be-100-invested-in-equities.238746/ A few people have told me that they could not follow the thread so... 1) I will summarise the arguments from that thread 2) Explain why I believe that investing 100%...
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Pensioners should have 100% equities - side issues

These are the non-core issues moved from this thread https://www.askaboutmoney.com/threads/pensioners-should-have-100-of-their-retirement-funds-in-equities.238762/ Most threads go off down rabbit holes to such an extent that the ordinary reader trying to understand the issue gets alienated. I...
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On the other hand, if you plan to buy an annuity rather than rolling over to an ARF and/or don't prioritise leaving assets in your will then that would also influence the decision.

In short - no easy/catch all answer really.
 
delg said:
Any advice on where i should have them? I'm 48.

Irish Life Navigate Annuity Bond S1 (NV2E)
Irish Life Navigate Cash Fund S1 (NV2D)
Irish Life Navigate Cautious Growth Fund S1 (NV2K)
Irish Life Navigate High Growth Fund S1 (NV2I)
Irish Life Navigate Low Volatility Equity Fund S1 (NV2B)
Irish Life Navigate Moderate Growth Fund S1 (NV2J)
Irish Life Navigate Quality Equity Fund S1 (NV2A)
Irish Life Navigate World Equity Fund S1 (NV2C)
Click to expand...
In your shoes, I would invest your pension 100% in a global equity fund.
 
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