Pension mismanagement, advise needed

[Deleted User]

You need to be invested ASAP.  The most damaging thing any of us can do is to go 100% cash. Everything else is secondary.  Spending time in the equity market leads to gains over significant periods of time.  Find a cheap provider, move all your cash to that provider and buy a simple 60/40 multi-asset fund. Or whatever else you want to do, but don’t just sit in cash.  That would be completely the wrong lesson to learn.