Help deciding between these 3 funds

St1mpMeister

I'm setting up a pension with Zurich and we've deemed it best I look at ESMA 4 risk funds, so I've narrowed down the list to the following 3:

- Prisma 4

https://www.zurichlife.ie/DocArchive/servlet/DocArchServlet?docId=DOC_8697&docTag=

- Cautiously Managed

https://www.zurichlife.ie/DocArchive/servlet/DocArchServlet?docId=SI_CM_FF&docTag=

- Active Asset Allocation

https://www.zurichlife.ie/DocArchive/servlet/DocArchServlet?docId=DOC_883&docTag=


Annual management fees for all are 0.75% and no other fees (100% allocation).

Prisma 4 has 50% equities.
Cautiously Managed has 50% euro bonds.
Active Asset has 60% equities.



I like Cautiously Managed as it performed well in the past, but is there a risk in having 50% euro bonds, or are they pretty secure vs equities?

Prisma 4 seems to be getting a lot of press as a great fund to invest in.

e.g. https://www.independent.ie/business/personal-finance/how-you-could-double-returns-by-ditching-lowrate-savings-accounts-but-tread-carefully-36716533.html

Isobar

Is this a PRSA?
May I ask who are you getting the pesion through with only a management fee of 0.75%?

St1mpMeister

Isobar wrote: »

Is this a PRSA?
May I ask who are you getting the pesion through with only a management fee of 0.75%?

Broker. Why? Is 0.75% good?

Not a PRSA. Standard pension.