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Conan, Thanks for the considered response First off yes I would be planning on ARF .. So you are suggesting to stay equities and I can understand that But to tease out the answer further: There are factors that might put an investor off * the 10 years of markets increase * onset of recession...

Folks, My question is a general one: Person with 12 years to retirement: should allocate how much in equities/bonds/cash. I'm in a self-managed employer pension scheme I'm PAYE and putting 38% of salary per month into pension per including employer contribution. The pension is getting...