HELP! : PersonalFinanceCanada

So my Employer is switching our DC Pension plan to a different provider,and Im baffled in regards to what investment instructions to choose. Without going into too much details , the default plan is Called the Target Date 2050 and it is auto adjusting, and managed actively. Seems to be about 90% equity (foreign and Canadian) and 10% fixed. They are the fees and results. I think that doing the custom investment instructions might be better, as the fees would be lower. If I do it myself, I basically have 2 options from 3 different catagories : Foreign Equity, Canadian Equity, and Fixed Income.

Not sure what I will do, so I think im just looking for opinions from people who are more capable then me. MUST I choose my own instructions, and if so what % asset mix should I do? Do you will need more info? I could post the specifics for every fund, its only a lot to list. May be the target date fund just your best option? The Returns seem to be better with the options that I can do myself. Please let me know if you have any relevant questions and I will answer them ASAP, I feel lost just !

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  • Brokerage amounts
  • Hilary Clinton, Secretary of State, 2010
  • Regular data backup is a must
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