What to do??

SteveC3

Sure. I was just thinking of costs. Vanguard and A J Bell seem cheaper than most for my size fund.

SteveC3

Well, I've finally pulled the plug and I'm working my 3 month notice. It's a good feeling! I will have just over 4.5 years to go until SP age. If I stick with Scottish Widows then my plan would be keep 320k invested in the planning fund for income after SP age of 66, which will leave me with 160k for the next 4.5 years which are hopefully going to be more active and expensive! Ive assumed no growth over this period so anything would be a bonus. I'll set up a retirement account with them and drip feed out at times when the market is reasonable. (Not tanked). I spoke with Scottish widows about charges but they weren't very enlightening. I've heard that you have to pay their adviser charge regardless when setting up the retirement account but they knew nothing of this. If it is the case, I transfer out.
Does anyone have any experience of the SW scheme in retirement?