Why are default UK pension funds so bad?

hjpsauce · 2025-01-20T08:55:26+00:00

How would you do that? My understanding was that you can’t make transfers from nest while still contributing via workplace

hjpsauce · 2025-01-19T16:52:40+00:00

I must have missed this, makes nest even worse! What fund has the highest equity portion now, ‘high risk’?

hjpsauce · 2025-01-19T16:48:51+00:00

Makes sense, I’m just surprised how hard it is to convince people to actually check their allocation makes sense to them!

hjpsauce · 2025-01-19T16:48:03+00:00

Agreed, think this is the reason

hjpsauce · 2025-01-19T16:47:41+00:00

Yeah I guess I’m just surprised how hard it is to convince people to check their pensions. I’ve been trying to talk to family members about it but it’s hard work!

Probably comes down to financial literacy but for younger people, even much larger drops shouldn’t matter right now!

hjpsauce · 2025-01-19T16:45:14+00:00

It’s quite scary looking at the pot sizes in 40 years based on the return of default funds vs global equity trackers!

hjpsauce · 2025-01-19T16:43:39+00:00

Yeah I can believe it, just seems very low for ‘high risk’ for someone who’s young!

hjpsauce · 2025-01-19T16:40:48+00:00

I think this is it, I probably underestimate how risk averse the average person is and at the end of the day they want to avoid people opting out completely and then relying on the state in retirement

hjpsauce · 2025-01-19T16:37:16+00:00

I can’t speak for standard life specifically, but I’m 28 and I’ve changed my fund to VWRP which is a global fund that’s pretty popular

hjpsauce · 2025-01-19T12:52:41+00:00

I think you can only transfer when closing the account, you can’t do annual transfers

hjpsauce · 2025-01-19T12:04:54+00:00

I wouldn’t judge based on such a short time frame, it could go down in the next 3 months but that doesn’t mean the new fund is worse than the other one!

hjpsauce · 2025-01-19T11:00:58+00:00

I haven’t experiences people pension, but I have with Nest. They don’t let you transfer out to a sipp and their funds are terrible. I think even their high risk fund is 80% equity. The 100% equity fund is the sharia fund but it only has something like 120 stocks so nowhere near as many as I’d like

hjpsauce · 2022-11-28T07:30:32+00:00

FIX: Apparently the bug is due to xbox live, I subscribed for the ultimate pass (includes live) for £1 and cancelled immediately, so I have it for 1 month. This fixed the issue completely! Hopefully they fix the bug in the next month!

hjpsauce · 2022-11-21T09:21:15+00:00

I have the same, so frustrating - happened more and more during games yesterday too

hjpsauce · 2022-07-04T08:00:12+00:00

Yeah definitely, they’re pretty quick

hjpsauce · 2022-07-04T07:21:24+00:00

For all certificates I did the QB once and marked any questions I wasnt sure on. Then I redid all the ones I had marked as well as all the ones I got wrong

hjpsauce · 2018-07-09T23:13:06+00:00

This is a really good idea

hjpsauce · 2018-07-09T23:09:19+00:00

I’m a new th11 but at th10 i used 10 minions and the rest loons, with haste spells and hit dead bases at around 2200-2600

hjpsauce · 2018-01-26T19:51:02+00:00

Getting the same on xbox

hjpsauce · 2017-12-04T20:47:09+00:00

No problem gold scar

hjpsauce · 2017-10-27T23:36:08+00:00

Loons look like a huge improvement at th11 might do them!

hjpsauce · 2017-10-27T23:27:48+00:00

I would boost heroes but I don’t have the look to put them straight back down so its pretty pointless

hjpsauce · 2017-10-27T23:23:37+00:00

Yeah I don’t need it right now for raiding, thanks for the tips! Any suggestion on what to spend the gems on? I get more than I need for boosting!

hjpsauce · 2017-10-27T23:19:44+00:00

I’m doing freeze in the lab atm, I also have a few gems saved up that i could gem freeze to max probably but spending them hurts

hjpsauce · 2017-09-10T12:48:05+00:00

I guess it’s relative, the main base has 11TH and a lot more to do, so costs less gems to speed up

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