pension / markets

[camille75]

I was about to start a SIPP - im 49 and looking at global all cap fund via vanguard or ii
im aware of the saying its the time in the market rather than timing the market but in researching pension bee and their apparant underperformance I read a lot about potential market crashes this year so it had me wondering if i should wait it out 6 months or so as im thinking of puttig in 40000 and dont want to see it dissapear or in recovery for the next 5 years unneccesarily...
realise no one knows what will happen but id be interested to hear opinions

I’d use two providers. You aren’t really investing long term at 49. Don’t forget your contribution must not be higher than your earnings plus tax relief. So check that out. If £40,000 is too high, split it into two tax years. You can try and game the market or at 49, you could just get on with it!