Topping up my pension

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Having exceeded my 3 score years and 10, I am thinking about reducing my modest ISA investments to no more than half a dozen funds - with a greater emphasis on reducing both risk and cost (charges). Currently I have 43% in stocks (managed funds) and 28% in (largely) corporate bonds. The rest is either in cash (10%) or the money market. These funds cover the UK (51%) and the US (23%). Most of the rest is in greater Europe. At some point in the next year to two I aim to start drawing an income from these savings. By then they may comprise a mix of tracker(s) and one or more managed funds. I would welcome any observations. Thanks

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