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I'm not overly concerned that we are at the top, I don't mind that I might miss out on a little more growth, I'm just concerned about eroding any current growth...if that makes sense? At nearly 40, I'm hoping that retirement is not a million miles away, 55-60 would be what I'm hoping for, my...

But if I switch now, am I not buying 60% of my portfolio at the "top" of the market at very high unit values? I'm not risk adverse, but would probably rather drip the money in rather than a lump sum....am I wrong? So basically I should cash in my Ark Life stuff ASAP and use it to pay off the...

Thanks guys. I'm a little worried about keeping the pensions funds in higher risk equities since the market seems like its as recovered as its going to get. Though is that just me trying to time the market? Pension is 281K at the moment (up ~60K) Made up of Indexed World Equity Fund (40%)...

Age: 39 Spouse’s/Partner's age: 39 Annual gross income from employment or profession: 90K Annual gross income spouse: 160K Type of employment: Both private sector employees Expenditure pattern: We are both generally 'savers' Rough estimate of value of home 850K Mortgage on home 400K Type of...