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  • So better to avoid funds that do anything automatically? What about that nutmeg robo-fund stuff?

  • Given you're looking at a horizon of say 20+ years, there's little difference between choosing a fund that automatically sells equity / buys bonds at a predetermined date (in 20 year's time), and just doing it yourself.

  • Yeah, so I could use one of those termination ones but in all likelihood my employment will change and I will change my pension anyway.

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