From Chapter 9: I save 90% on fees
Returns after fees i.e., “net performance”: Active vs Passive funds
Major indices’ performance over the past 10 years
From chapter 15 How much risk should you take
Reducing Risk as You Age.
From chapter 17 Different types of investment
Risk-Return Levels of Different Asset Classes
From chapter 19: Turbo-charge your pension
The sort of difference turbocharging could make
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% |