I'm sure I read earlier you have 15 years to go before retirement? IMHO then what you've done seems extremely conservative in approach and statistically likely to mean your pension underperforms massively vs an index tracker. You're likely to get no more than 4% growth per year with your approach which compounded over 15 years would mean a massive underperformance vs a tracker getting 7 or 8%.
Originally Posted by ryanb741
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