Evaluating pension returns

[NRS]

I'm 30 and living in Norway. When starting to work properly I just got into the end of a DB pension. That should pay me around £1300 a year, so can't go too wild off that when retiring. The new scheme is the typical defined contribution, and has several fixed profiles to choose between depending on your risk preference. It is stated as having 0% on management fees (I think this might be paid by the company). The pensions have only been in place since part of the way through 2015, so are relatively new. As such it's somewhat difficult to rate them against other stuff to see if they are under performing.

I have funds split 50/50 between the offensive and extra offensive funds. The offensive had a 10.9% (2016) and 16.4% (2017) increase. The extra offensive was 11.6% and 18.6%. Both are rated at 6 for risk. Both funds have a strong US bias (~45%), around 20% in Europe and the rest is scattered. In sectors finance and IT are 20% each, with 10% for health, consumables (retail?) and industry. However I'm not sure what to compare it with in terms of if it is good return versus the risk? How do you pick a relevant index for comparison?

[Jockman]

You will be drip feeding into these funds on a monthly basis.

At your age I would adopt a similar approach to risk.

[sidicks]

NRS said:

I'm 30 and living in Norway. When starting to work properly I just got into the end of a DB pension. That should pay me around £1300 a year, so can't go too wild off that when retiring. The new scheme is the typical defined contribution, and has several fixed profiles to choose between depending on your risk preference. It is stated as having 0% on management fees (I think this might be paid by the company). The pensions have only been in place since part of the way through 2015, so are relatively new. As such it's somewhat difficult to rate them against other stuff to see if they are under performing.

I have funds split 50/50 between the offensive and extra offensive funds. The offensive had a 10.9% (2016) and 16.4% (2017) increase. The extra offensive was 11.6% and 18.6%. Both are rated at 6 for risk. Both funds have a strong US bias (~45%), around 20% in Europe and the rest is scattered. In sectors finance and IT are 20% each, with 10% for health, consumables (retail?) and industry. However I'm not sure what to compare it with in terms of if it is good return versus the risk? How do you pick a relevant index for comparison?

Do these funds not have a benchmark index against which they are managed?

[red_slr]

Sounds reasonable to me.