I keep it very simple with Vanguard. I have some of my private pension with them - 20% UK gov bond index fund and 80% in V3AM - EGS global all cap. Part of sav

I keep it very simple with Vanguard. I have some of my private pension with them - 20% UK gov bond index fund and 80% in V3AM - EGS global all cap. Part of savings is with Vanguard as well. 40% emerging markets VFEM, 35% FTSE developed world VEVE and 25% in global small cap index fund. My horizon is longer than yours though. 10+ years.