I'm a long time reader but first time poster. From reading AAM I believe I should allocate my pension fund to a world equities fund (currently in other funds, hence the post). We have forever home mortgage on a long term fixed rate (10 yrs - 9 left) and now are looking to prioritise our pensions by maximising pension contributions as mortgage is at comfortable level.
Should I (39) look to allocate all of my pension fund to world equities. Also should my partner (38) contribute to the same fund as me or should we diversify her pension into a different global fund (both our pension are with New Ireland). There are many different funds, hedged/ unhedged funds, from my untrained review the World Index Fund Unhedged is probably the best based on returns and I am aware it is high risk, but we are open to high risk as we are long term investors looking for the highest potential return. If looking at New Ireland Funds would you be inclined to invest in the World Index Fund Unhedged / Hedged or Global Equity Fund or are there other funds we should potentially be looking at too, I only found the WIF Unhedged and Hedge last week thinking the Global Equity Fund was the only world equity fund with New Ireland.
My fund is currently with New Ireland via a broker and I am paying 1.25% management charge on monthly contributions and 1.5% on lump sum contributions, both with 100% allocation (all company contributions). I’m not fully happy with my broker due to lack of service / communication. From reading AAM the fee % I’m paying seem high for the service level I’m getting. I can see there are lower fee options out there, do you think I’m right to be looking to move to a lower fee arrangement. Or should I be looking to a higher fee arrangement where I would receive a better service. I’m not adverse to paying a fee for a good service.
Should I (39) look to allocate all of my pension fund to world equities. Also should my partner (38) contribute to the same fund as me or should we diversify her pension into a different global fund (both our pension are with New Ireland). There are many different funds, hedged/ unhedged funds, from my untrained review the World Index Fund Unhedged is probably the best based on returns and I am aware it is high risk, but we are open to high risk as we are long term investors looking for the highest potential return. If looking at New Ireland Funds would you be inclined to invest in the World Index Fund Unhedged / Hedged or Global Equity Fund or are there other funds we should potentially be looking at too, I only found the WIF Unhedged and Hedge last week thinking the Global Equity Fund was the only world equity fund with New Ireland.
My fund is currently with New Ireland via a broker and I am paying 1.25% management charge on monthly contributions and 1.5% on lump sum contributions, both with 100% allocation (all company contributions). I’m not fully happy with my broker due to lack of service / communication. From reading AAM the fee % I’m paying seem high for the service level I’m getting. I can see there are lower fee options out there, do you think I’m right to be looking to move to a lower fee arrangement. Or should I be looking to a higher fee arrangement where I would receive a better service. I’m not adverse to paying a fee for a good service.