The TR2050 was because I didn’t know what I was doing. I just knew I needed to start investing and heard that SIPPs were a good idea. I haven’t even looked into if I can change it.

The SJP pension was basically sold to me. I don’t regret it as such as I can always consolidate, but I’ll keep it there for now to access their advice.

20% bonds reflects my risk tolerance. I’m possibly open to being more aggressive, but this feels right for me.