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Will recent "events" cause a rethink of DC pensions?
Comments
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SVaz said:It really should be viewed as a valuable lesson to everyone who decided to manage their own portfolio,
I must have seen dozens of posts on different fora from people shocked/ panicked by the events, who are retiring imminently and had no idea they should have derisked / had a plan / had a more balanced portfolio.
It didn’t seem to occur to any of them that they would have to sell investments and hold cash in order to be able to draw an income.Do they think it all happens by magic?2 -
Given the current situation, I believe the vaule on DB pension. And I have to adjust my investment portfolio,that appropriately reduce the proportion of stocks ..0
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Sunnylifeover50plan said:Cobbler_tone said:A lot of flip flopping going on. I said it was exciting.3
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I'm sure as much as some people have lost plenty of money, some closer to the coal face would have made an absolute killing.
Thankfully 'he who should not be named' has obviously had some sense talked into him and the recovery has started....for now. It may present the opportunity for some to make some of the paper losses back and a chance to reconsider their pension investment options.2 -
Cobbler_tone said:I'm sure as much as some people have lost plenty of money, some closer to the coal face would have made an absolute killing.
Thankfully 'he who should not be named' has obviously had some sense talked into him and the recovery has started....for now. It may present the opportunity for some to make some of the paper losses back and a chance to reconsider their pension investment options.6 -
Excellent thread, and thank you to those who have contributed to it.Im about 3 years away from retirement, and currently stressing about de-risking my relatively small SIIP (part Bonds maybe), or just putting it all in the HSBC Gobal Fund. This 'crash' has certainly given me more food for thought / frazzled my mind even more !0
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Mr_Benn said:Excellent thread, and thank you to those who have contributed to it.Im about 3 years away from retirement, and currently stressing about de-risking my relatively small SIIP (part Bonds maybe), or just putting it all in the HSBC Gobal Fund. This 'crash' has certainly given me more food for thought / frazzled my mind even more !
The technical term is a 'wobble'.1 -
Sunnylifeover50plan said:Cobbler_tone said:A lot of flip flopping going on. I said it was exciting.Who would ever believe it?🫣1
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I’m more concerned by the fact that China holds a £Trillion dollars worth of US Government debt in Treasury bills, I really don’t understand what it *could* mean but it doesn’t seem good when they are effectively playing a giant financial game of Chicken.3
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Cobbler_tone said:Mr_Benn said:Excellent thread, and thank you to those who have contributed to it.Im about 3 years away from retirement, and currently stressing about de-risking my relatively small SIIP (part Bonds maybe), or just putting it all in the HSBC Gobal Fund. This 'crash' has certainly given me more food for thought / frazzled my mind even more !
The technical term is a 'wobble'.1
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