Pension - which funds/% split do you choose in L&G?

If you do partial transfers out to a SIPP, is that because the funds available via the SIPP are significantly better than any of the L&G ones?

Or is it because the charges are cheaper?

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I’m at 50:50 equity vs fixed income. Want to reduce volatility exposure atm.

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How do you split yours A2?

Default lifestyle drawdown fund.

Typically the best one in the list returns-wise is Global Equity Tracker (ex UK), but

Lifestyle one follows Global Equity Tracker (including UK) and has an adaptive capping on weightage of any single stock so better off if Nvidia crashes. Plus more diversified as it includes UK heavyweights that are more financials and consumption based.

Once the tech 'bubble' saga is over, I'm thinking of splitting 50-50 between the two to increase US weightage.

You can always discontinue lifestyle and do a shared pie of any funds (including the one in lifestyle).

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