Asset class

Straight_Shooter

My SW pension fund has automatically de-risked me into portfolio 4 and 5 with a default retirement date of 2027.
Currently, I'm unlikely to access this pension before 2035. With this in mind, should I consider moving my funds into a different type/ratio of assets and if so, your suggestion would be valued.  In terms of risk, I have the appetite of a 63 year old 🙃 

Hoenir

Any decision you make needs to be in the context of your overall financial circumstances and your personal objectives. Volatility in markets can be both ego bruising and financially challenging. 

Linton

The easiest way to avoid life styling may be just to change your documented retirement date to a much later one.

Albermarle

As above it is likely that SW have a retirement date in their system for you of 65.
Normally it is possible to change this when logged on to their website, so you could change this to 73 ( you can not go later than 75)

These dates do not actually affect your ability to withdraw from the pension when you like, they are just an internal figure that SW use for their lifestyling pension products.