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AisaDirect Ltd, an Independent Financial Adviser authorised and regulated by the Financial Services Authority in the UK only.
1/2 Fordbrook Business Centre, PEWSEY, Wiltshire, SN9 5NU Registered in England: 3621676
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This website contains information which may or may not be applicableto your own situation and circumstances.
Any information or advice on this site does not constitute a personal recommendation. If you have any doubts as to whether a product or service is suitable for you, please seek independent advice.
Where to invest?
Too many people invest in a Managed or With-profits funds and then leave it there for ever! They are then surprised by the fact that 10 years after investing their pension (which is represented by a piece of paper in the filing cupboard) has not performed. What a waste!
Apart from the 4 main asset classes or Cash, bonds (fixed Interest), property, equities (shares), there are a number of other key investments worth considering for pensions.
All of them should be utilised into a diversified portfolio, spreading the risk and looking at the long term goal. For example you could consider also:
Commodity Funds
Agricultural Funds
Precious Metal
As you approach retirement, certainly in the last 2-5 years you should be considering less risk in your portfolio and be locking in the returns. Some of this can be done automatically, but we would say 5 years is along time to simply forget about your investment performance.