Morning All
I've read JL Collins' 'Simple Path to Wealth' this weekend. I didn't particularly learn anything new - having read his blog - but it made me feel like I must surely have a clue when I think about accumulating wealth. * Smug smile *
It also confirmed my belief that the 'keep it simple' methodology of investing: that means only one or two index funds (well, I like to dabble a little - so maybe three), no messing about with BTLs, and generally follow the Vanguard low-cost super-duper 'set and forget' route. All set for S&S ISA savings. So far so good.
My company pension. Not a complete sentence, I grant you. I couldn't think of a verb to describe it adequately. The company pension is a normal defined contribution scheme, through Aviva. Charges are 0.4%, so not disastrous. However - the choice of index trackers is abysmal - Aviva or Blackrock, essentially. Certainly no Vanguard. And the performance (plus charges) are not where they could / should be, so I am left feeling dissatisfied and fleeced.
I know I get good tax relief. I know I get employer contributions. But I feel tied to products I don't want to invest in, and it's not a small amount of money (it's the largest part of my savings at present).
What can I do? What have you done?