Getting FIREd up 😀

edinburgher

It is probably on the more conservative side of the scale but my Vanguard fund has definitely started lifestyling already (14 years to target maturity). I'm not convinced 8 years out is too early to start. That said, your large cash holding will already have the effect of lifestyling/diluting your total portfolio holdings.

glass_half_full

https://forums.moneysavingexpert.com/discussion/comment/81867469#Comment_81867469

It sounds like you have this in hand. To be honest, I didn't really pay much attention to how my pension(s) were invested until after I had paid off the mortgage in 2021. When I did I was disappointed by the returns I found. I consolidated them all and since then have been a more active investor choosing which funds I am invested in. I can see why in the past pensions were very much hands off because the last thing you want is people losing their pension money through speculative investing.

South_coast

Thanks both 👍 I will do some digging when next off and report back!