The Lemon Fool

I am 34 years old with a DC stakeholder pension invested with Scottish Widows. I have self selected the following funds:

SW SSGA NTH AMER EQ: 70%
SW SSGA EUROPE EX UK: 10%
SW SSGA JAPAN EQ IND: 10%
EUROPEAN REAL ESTATE: 5%
SW BLK UK SMALL COS: 5%

I am investing 5% of my salary each month which my employer matches and adding a further 10% each month via salary sacrifice. The value of the fund is £101,000 at present. I'm looking to retire hopefully by 60. Can anyone advise if this is a suitable mix of funds to choose from to make up my portfolio.

Using market weights makes more sense than what you are doing:

http://www.visualcapitalist.com/all-of- ... s-by-size/

You're missing a basic UK Equity fund and Emerging Markets. I'd cull the N America to 40% and substitute with 20% UK and 10% EM.

What are the charges for those funds?