Pension and tax relief - dumb question!

[MartynJC (UK)]

Depends on your age and years to retirement and drawing in the pension.

You want less risk and more certainty the closer you are to taking the money.

Leave high risk strategies to younger people.

I’ve decided to keep my Aviva split over various risk factors even though I am already retired. I want my funds to work for me. Saying that I have about 50% in the lower risk bonds / gilts fund as a buffer. The rest are tracker US/UK/consolidated and a punt on high risk commodities fund.

Do need to look at long term >5y investments though.

PLEASE do seek professional advice rather than relying on (random) TZ folks! Maybe some can backup their advice with their credentials? I am just a guy who used to work in the IT department of a large US fund manager.

I couldn’t see the point of a managed fund compared to a tracker fund tbh considering the fees involved and returns - but that is my personal opinion.