Pension portfolio-70% VWCE and 30% Vanguard Global Bond Index (VGEG)

xingxing1118 · 15-03-2025 02:02PM #1

I’m a 46-year-old based in Ireland and planning to add following ETF: with 70% VWCE (Vanguard FTSE All-World UCITS ETF) and 30% Vanguard Global Bond Index (VGEG) to my pension account from this year. And this will be my main portfolio. I can contribute 10,000 Euro per year for 10 years at least. My goal is long-term growth with some stability as I approach retirement. Does this allocation seem balanced and appropriate for my age and retirement goals? Are there any potential risks or considerations I should be aware of, especially in the Irish context? Any advice or suggestions would be greatly appreciated! Thanks in advance!

The J Stands for Jay · 16-03-2025 09:38PM

Allocation to bonds is far too high

lau1247 · 17-03-2025 08:27AM

Take into consideration for Deemed Disposal every 8 years (Until the government decide to change the rules, if it ever comes)

Henry Ford III · 20-03-2025 10:33AM

https://www.boards.ie/discussion/comment/123271949#Comment_123271949

On a pension product?

Henry Ford III · 20-03-2025 10:34AM

https://www.boards.ie/discussion/2058402749/pension-portfolio-70-vwce-and-30-vanguard-global-bond-index-vgeg

Did you do a risk and reward assessment?

Jim2007 · 20-03-2025 08:27PM

https://www.boards.ie/discussion/2058402749/pension-portfolio-70-vwce-and-30-vanguard-global-bond-index-vgeg

In addition to the risk of loosing your capital, there is also the risk of not having saved enough to meet your retirement objectives. So the first thing to figure out is how much risk you nee to take on in order to achieve those objectives. The means you need some kind of a financial plan taking into account you current savings, pension funds and other assets. Depending on that you may find that you are taking on more risk that is necessary, need to take on higher level or risk or add more savings….

Here in Switzerland, for young people who are starting out and not terribly interested in the whole investing thing, we give then the unscientific rule: the equity allocation should be 100 - current age. Of course there are more optimal ways of coming up with the allocations, but in most cases this is good enough to get them by.

Pension portfolio-70% VWCE and 30% Vanguard Global Bond Index (VGEG)

Comments