When to be in income funds vs growth from same provider?

StuartGMC

At 44 we have Funds in our ISAs as below, we'll be significantly increasing both the funds investment per month and Cash ISAs once we clear the mortgage (which should be in October). Our monthly investment is split over the following and I know we need to diversify more once we have more money per month. All are in accumulation funds:

Investec UK Smaller Co
Neptune Russia & Greater Russia
Threadneedle Latin American
BlackRock UK Absolute Alpha
M&G International Sovereign Bond
First State Asia Pacific Leaders
Neptune US Opportunities A

My question is should we be investing in income funds as well, or stay with growth funds (because that's what we want now) and switch later say, as we approach 58-60yrs old?

Over 15yrs does it make any real difference (if you reinvest the income) or would it be cost neutral if units were sold in the growth funds to buy corresponding income units?

TIA

Lokolo

Well theres no point in have income unless you need it (so for arguments sake, retired and this is form of income).

There is a tax issue with certain funds and your tax level with income funds but can't remember what...