pension share order - what shall I do with my share?

[PrizeyPrize]

Its with Standard Life, just over £30k, and I want to start putting in a small amount each month once its set up.

I've research slightly and am undecided between SL's

Cautious Managed Profile

or

25% each in
UK Equity High Income,
UK Smaller Companies,
UK Ethical,
Multi Asset Managed,

Only because from the little research I carried out it showed these to be performing well.

Can anyone give me some guidance, feeling totally lost with it, and can't afford an IFA at the moment.

[Hereward1332]

Depends how much risk you want to take really. Cautious managed sounds like it will be invested more in government bonds - lower yield but should be more secure in case of a downturn. Your other suggestions looks quite equity heavy - not necessarily a bad thing, but may be more prone to peaks and troughs.

If you don't have many other assets and are relying on the pension go for the lower risk option.

[PrizeyPrize]

Thanks Hereward thats really helpful.
I went with Cautious Managed 50% and UK Equity 10% (passive) UK Ethical 30%, and Euro Equity 10% (active)

[Hereward1332]

That sounds like a sensible mix. A secure if less exciting base with some potential for better-than-inflation growth.