I've peaked too soon (as it were)...

Temrael

Thanks Sea, for a really constructive and well thought out post. I know I'm part of the problem.

I'd not thought of moving to a boil in the bag/all in one fund, but as you say, that would reduce the temptation for me to monitor closely and "tinker".

I've tended to avoid them (in my pension) as when I've looked before they've often been actively managed or tended to be overweight UK. Having a quick look at the available multi asset funds (the search is a bit rubbish), they include...

Aviva Pensions Diversified Assets Fund
Aviva Pensions Blended Portfolio
Aviva Pensions 7IM AAP Moderately Cautious
Aviva Pensions AXA Framlington Managed Balanced
Aviva Pensions BlackRock Consensus

...etc. I'll do some proper reading though, and see if any are close to my current allocation, and which therefore might fit the bill.

Temrael

intowhere wrote: »

out of interest, what do you do that has allowed you to get a £1m so early?

Hi Into, I'm not targeting £1m. Or at least, not in this pot.

Thrugelmir

Temrael wrote: »

Hi Into, I'm not targeting £1m. Or at least, not in this pot.

Personally I would contribute further. Building a clear safety buffer in the process. The one certainty about investing is uncertainty.

Temrael

Thrugelmir wrote: »

Personally I would contribute further. Building a clear safety buffer in the process. The one certainty about investing is uncertainty.

Thanks Thrugelmir, I can certainly look to do a little bit of that, but I have a couple of DB pensions so I'm reasonably well provided for on the pension front (we don't spend very much so won't need loads in retirement).

We're currently saving to retire quite early though, and so most of our spare money each month is heading into pots we can access before pension access age (cash savings, S+S ISAs).

DrSyn

Have you considered using a Vanguard Target retirement fund for at least part of your pension money?

You would not need to have a look at this so often.

https://www.vanguard.co.uk/adviser/adv/investments/about-funds/target-retirement-funds

atush

If you have more than a decade to go, and arent near to LTA, then why change? You already are 24% cash/bonds?

lpgm

Temrael wrote: »

We're currently saving to retire quite early though, and so most of our spare money each month is heading into pots we can access before pension access age (cash savings, S+S ISAs).

Very good. Can you stop earning now? Do some voluntary work and make the most of life?

Temrael

Thanks all, your polite but questioning tone is making me realise I really don't need to do anything other than "find my chill" and look at my pension a bit less.

If I still can't settle down I'll look at the all in one idea Sea suggested, perhaps something like the Aviva Pension Diversified Assets Fund II. It looks close to Lifestrategy 60 (but without the home bias). It has a 0% Fund charge in my pension too, which is nice.

Thanks again all.