I'm 46 years old so surely another 20 years to retirement.
When you retire, you will just change the label on your fund from "pension fund" to "ARF" and 25% will go into "my own money". Both should still be invested fully in equities at that stage.
Adjusted for inflation, global equities lost roughly half of their value in the 1970’s.Inflation at 6% for 20 years will come to be recognised as a huge, unnoticed risk by a lot of pensioners with their penson pot in cash or bonds in 10 or 15 yearswhen the value has been reduced by half
None of my retired clients have all their ARF in cash and bonds. They never have. Maybe only those not getting any advice will have a strategy like this.Inflation at 6% for 20 years will come to be recognised as a huge, unnoticed risk by a lot of pensioners with their penson pot in cash or bonds in 10 or 15 yearswhen the value has been reduced by half
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