u/SteamboatFatty

Hi, my work place pension is with Aegon (soon to be Standard Life) the funds are in the Aegon UBC (Universal balanced collection) I have 13 years to go until I could claim it but I was wondering if it would be better performing in an index fund such as the ftse global all cap I am also looking at starting an isa to potentially give me a few years earlier retirement potential before I need the pension.

I’d just like your thoughts if possible and do I need to think about de-risking anything this far out or can that wait?

I wish I’d found out about this stuff earlier.

Thanks