Quote Originally Posted by beechcustom View Post
This is the fund my recently started pension with Aviva is allocated to. It's the default fund and is relatively low risk. Thoughts and observations from those in the know much appreciated.
Certainly no expert, and all that matters is that you're happy with it matching your risk appetite and situation. It appears to be 60% in bonds and gilts, which are usually less risky/volatile, so if you're a "safe and steady wins the race" type, or perhaps not too far off wanting to start withdrawing the pension funds, then it should serve you well. Might be worth checking to see if the pension has "lifestyling" - which automatically moves a client's funds into bonds/gilts and cash over the final 10 years before retirement. This is a good option for someone who intends to buy an annuity on retirement, but perhaps not if they intend to leave it invested into older age and/or drawdown in bite-size pieces (think this may have been mentioned by someone earlier in the thread).

Usually pension providers enable one to change the funds they're invested in at no cost (often a few clicks on their app or website) so if you decide at any point you'd rather switch some or all of your funds or contributions, then that should be easy to do too.