[USER]

So far I have invested all my retirement pensions into vanguard S&P500 (VUG). Should I invest future retirement funds into some other ETFs to diversify or okay to build further in S&P500?

I need to invest around £40k in next few days through my personal pension plan.

I am 45 years old and plan to work for another 15 yrs plus. Any advise would be helpful.

Thanks

[John]

I like to diversify a bit out of large cap US, so I own some international and some small/mid cap index funds

[George]

“£40k”? You believe people in US smarter than people in UK? Some US, some international I would say

[Elizabeth]

If you’re open to diversification away from traditional assets (stocks, ROTH IRA) then it’s only right to look into decentralized finance and digital assets as they offer a better alternative both as a hedge against inflation and as a better performing asset class.

It also affords more control to you as an investor as you are not dependent on the movement of the stock market for your returns.

Allocating a small % of your portfolio to it is a good first step

[Robert]

What this will depend what country you’re in… I’m not sure what the rules are for distributions from retirement plans in countries other than the United States… But I know in the USA, you will not need to take RMD’s until age 75 (under SECURE 2.0) … but regardless, I believe that the best long-term vehicle for wealth generation is a fund that mimics the S&P 500.

[Author]

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