• Most pension funds start transferring your funds from stocks to cash in the 5-7 years before retirement, so most people should be okay.

  • My pension man said most do this automatically and take no account of market conditions. Ie You could be unlucky and it’s transferred the day after a big crash.

  • Yeah they don’t transfer the whole lot in one day.

    In exceptional circumstances- now - the pension manager and the investment team would step in.

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