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  • gradually I think. if you do it all at once then there's the chance that the market swings just before you transfer everything.
    If you were to, say, transfer 10% a week over 10 weeks then the chance of it going 'wrong' is lower. similarly, the chance of it going really well and you getting a random bump is also reduced...

  • Lol. I was going to say I'm 100% stocks and will re-assess about 5 years before retirement.

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