From Chapter 9: I save 90% on fees
Returns after fees i.e., “net performance”: Active vs Passive funds
![](https://investwithoutbeingrippedoff.com/wp-content/uploads/2024/02/Active-vs-Passive-funds-performance-AFTER-fees.jpg)
Major indices’ performance over the past 10 years
![](https://investwithoutbeingrippedoff.com/wp-content/uploads/2024/02/Major-indices-performance-over-the-past-10-years.jpg)
From chapter 15 How much risk should you take
Reducing Risk as You Age.
![](https://investwithoutbeingrippedoff.com/wp-content/uploads/2024/02/Reducing-Risk-as-You-Age-1024x228.jpg)
From chapter 17 Different types of investment
Risk-Return Levels of Different Asset Classes
![](https://investwithoutbeingrippedoff.com/wp-content/uploads/2024/02/Risk-Return-levels-of-different-asset-classes-1024x237.jpg)
From chapter 19: Turbo-charge your pension
The sort of difference turbocharging could make
![](https://investwithoutbeingrippedoff.com/wp-content/uploads/2024/02/turbo-charging-your-pension.jpg)
![](https://investwithoutbeingrippedoff.com/wp-content/uploads/2024/02/table-turbo-charging-your-pension-1024x824.jpg)
From chapter 27: If I already have some investments
Target allocations | Total portfolio value | Already invested | How I’d allocate the additional £5,000 | |
Asset classes | T2 Medium | Allocations applied to £10,000 | Existing allocations | New portfolio allocations |
Cash | 2% | £200 | £0 | £100 |
Global Gov Bonds | 21% | £2,100 | £1,000 | £1,100 |
Global Corp Bonds | 22% | £2,200 | £1,000 | £1,200 |
Global shares | 50% | £5,000 | £3,000 | £2,100 |
Alternatives | 5% | £500 | £0 | £500 |
Risk | Cash | Short-term Bonds | Global Gov Bonds | Global Corp. Bonds | Global Shares | Alternatives |
Higher | 1% | 2% | 6% | 6% | 80% | 5% |
From chapter 29: Annual review, “rebalancing”
Cash | Global Gov Bonds | Global Corp Bonds | Global Shares | Alternatives | |
Model | 1% | 21% | 22% | 51% | 5% |
Current | 1% | 17% | 24% | 54% | 4% |
Balanced | 4% too low | 2% too high | 3% too high | 1% too low |
From chapter 30: Choosing an investment website
Criterion | Score | Weighting | Score x Weighting |
Range of funds | 77% | 50% | = 77% x 50% = 38.5% |
ISA offered | 100% | 15% | = 100% x 15% = 15% |
SIPP offered | 100% | 15% | = 100% x 15% = 15% |
Platform fees | 14% | 12% | = 14% x 12% = 1.7% |
Ease of use | 20* | 8% | = 20% x 8% = 1.6% |
Total | 71.80% |
Criterion | Score | Weighting | Score x Weighting |
Range of funds | 26% | 50% | = 26% x 50% = 13% |
ISA offered | 100% | 15% | = 100% x 15% = 15% |
SIPP offered | 0% (not offered) | 15% | = 0% x 15% = 0% |
Platform fees | 0% | 12% | = 0% x 12% = 0% |
Ease of use | 80% | 8% | = 80% x 8% = 6.4% |
Total | 34.4% |