As I would intend moving to an all-equity ARF after retirement, I see no value to moving to cash/bonds as you approach 65 then move back to equity again afterward however.
How long do you plan to stay invested at 98% equities?
Also worth trying to get into equity funds with the lowest management fees. If they are available to you, passive index funds are better than highly managed equity funds where most of the growth disappears into fees...Thanks for the feedback, summarising the advice:
- Keep most / all of the investment in equities for the mid term
- Preserve at least the tax free portion of the pot in less risky investments ahead of drawdown
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