How ‘adventurous’ should my SIPP investments be?

kjs31

Audaxer said:

With DB pensions there is usually a choice of a higher annual pension with no lump sum, or a lower annual pension with a tax free lump sum. It may however be that with your DB pension you have to take the lump sum, but it i something worth checking.

I think there may be an option to trade the lump sum for a larger pension. I will need to investigate whether it’s worth doing that. 

hara____

On your bond decision: bear in mind that there's a huge difference between short and long duration options. 

If you're not already familiar with the concept, worth absorbing the key points from something like this: https://www.bankeronwheels.com/bond-etfs-vs-cash-in-rising-interest-rates-environment/

You can then ask yourself 1) how much of your SIPP you're willing to have in equities and 2) for the fixed income part, what duration is appropriate for your situation.