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I've had confusing pension advice - help!
Comments
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Decimated means reduced by 10%, so it's quite likely HedgeHog will be right at some point. Markets were decimated this year...0
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I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......0 -
HedgehogRulez said:
I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......
3rd Nov:
"I’d move a couple of £100k from equities into cash in your pension and time the market for the incoming market apocalypse in 3 months time (then rebuy those sweet cheap stocks)."
https://forums.moneysavingexpert.com/discussion/comment/81726012#Comment_81726012
25th Nov:
"Im taking a punt and moved £200k into cash a month back. Happy to take any upside risk of losing out on growth but will move back into full equities over the next 6 months regardless."
https://forums.moneysavingexpert.com/discussion/comment/81756050#Comment_81756050
23rd Dec:
"Going all cash in advance of the imminent global stock market crash of 2026"
https://forums.moneysavingexpert.com/discussion/comment/81803162#Comment_81803162
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I’m not sure your point…MeteredOut said:HedgehogRulez said:
I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......
3rd Nov:
"I’d move a couple of £100k from equities into cash in your pension and time the market for the incoming market apocalypse in 3 months time (then rebuy those sweet cheap stocks)."
https://forums.moneysavingexpert.com/discussion/comment/81726012#Comment_81726012
25th Nov:
"Im taking a punt and moved £200k into cash a month back. Happy to take any upside risk of losing out on growth but will move back into full equities over the next 6 months regardless."
https://forums.moneysavingexpert.com/discussion/comment/81756050#Comment_81756050
23rd Dec:
"Going all cash in advance of the imminent global stock market crash of 2026"
https://forums.moneysavingexpert.com/discussion/comment/81803162#Comment_81803162
you look horribly obsessive tbh 🤷♂️0 -
Quite useful though, I thought you were joking when I saw your comment.HedgehogRulez said:
I’m not sure your point…MeteredOut said:HedgehogRulez said:
I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......
3rd Nov:
"I’d move a couple of £100k from equities into cash in your pension and time the market for the incoming market apocalypse in 3 months time (then rebuy those sweet cheap stocks)."
https://forums.moneysavingexpert.com/discussion/comment/81726012#Comment_81726012
25th Nov:
"Im taking a punt and moved £200k into cash a month back. Happy to take any upside risk of losing out on growth but will move back into full equities over the next 6 months regardless."
https://forums.moneysavingexpert.com/discussion/comment/81756050#Comment_81756050
23rd Dec:
"Going all cash in advance of the imminent global stock market crash of 2026"
https://forums.moneysavingexpert.com/discussion/comment/81803162#Comment_81803162
you look horribly obsessive tbh 🤷♂️Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.0 -
Basically, you’re talking rubbish. Hope that helps.HedgehogRulez said:
I’m not sure your point…MeteredOut said:HedgehogRulez said:
I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......
3rd Nov:
"I’d move a couple of £100k from equities into cash in your pension and time the market for the incoming market apocalypse in 3 months time (then rebuy those sweet cheap stocks)."
https://forums.moneysavingexpert.com/discussion/comment/81726012#Comment_81726012
25th Nov:
"Im taking a punt and moved £200k into cash a month back. Happy to take any upside risk of losing out on growth but will move back into full equities over the next 6 months regardless."
https://forums.moneysavingexpert.com/discussion/comment/81756050#Comment_81756050
23rd Dec:
"Going all cash in advance of the imminent global stock market crash of 2026"
https://forums.moneysavingexpert.com/discussion/comment/81803162#Comment_81803162
you look horribly obsessive tbh 🤷♂️I am an Independent Financial Adviser (IFA). Any posts on here are for information and discussion purposes only and should not be seen as financial advice.0 -
I'm simply giving you an opportunity to gloat when the market apocalypse arrives on or around 3rd Feb 2026HedgehogRulez said:
I’m not sure your point…MeteredOut said:HedgehogRulez said:
I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......
3rd Nov:
"I’d move a couple of £100k from equities into cash in your pension and time the market for the incoming market apocalypse in 3 months time (then rebuy those sweet cheap stocks)."
https://forums.moneysavingexpert.com/discussion/comment/81726012#Comment_81726012
25th Nov:
"Im taking a punt and moved £200k into cash a month back. Happy to take any upside risk of losing out on growth but will move back into full equities over the next 6 months regardless."
https://forums.moneysavingexpert.com/discussion/comment/81756050#Comment_81756050
23rd Dec:
"Going all cash in advance of the imminent global stock market crash of 2026"
https://forums.moneysavingexpert.com/discussion/comment/81803162#Comment_81803162
you look horribly obsessive tbh 🤷♂️
Did you commit and go all cash on 23/12, and is the plan still to go back to all equities by the middle of next year?
1 -
I am not sure that this is helping the OP with their original questionI’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
I’m nearly always jokingkimwp said:
Quite useful though, I thought you were joking when I saw your comment.HedgehogRulez said:
I’m not sure your point…MeteredOut said:HedgehogRulez said:
I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......
3rd Nov:
"I’d move a couple of £100k from equities into cash in your pension and time the market for the incoming market apocalypse in 3 months time (then rebuy those sweet cheap stocks)."
https://forums.moneysavingexpert.com/discussion/comment/81726012#Comment_81726012
25th Nov:
"Im taking a punt and moved £200k into cash a month back. Happy to take any upside risk of losing out on growth but will move back into full equities over the next 6 months regardless."
https://forums.moneysavingexpert.com/discussion/comment/81756050#Comment_81756050
23rd Dec:
"Going all cash in advance of the imminent global stock market crash of 2026"
https://forums.moneysavingexpert.com/discussion/comment/81803162#Comment_81803162
you look horribly obsessive tbh 🤷♂️0 -
You missed my Cupid quote.MeteredOut said:
I'm simply giving you an opportunity to gloat when the market apocalypse arrives on or around 3rd Feb 2026HedgehogRulez said:
I’m not sure your point…MeteredOut said:HedgehogRulez said:
I wouldnt hold my breath....cfw1994 said:
Indeed.Marcon said:
...and you know all this for certain how...? Do share!HedgehogRulez said:Given markets will be decimated in Q1 2026 I’d wait til the dust has settled around Summer
I'm sure @HedgehogRulez will be right back to share their reasonings......
3rd Nov:
"I’d move a couple of £100k from equities into cash in your pension and time the market for the incoming market apocalypse in 3 months time (then rebuy those sweet cheap stocks)."
https://forums.moneysavingexpert.com/discussion/comment/81726012#Comment_81726012
25th Nov:
"Im taking a punt and moved £200k into cash a month back. Happy to take any upside risk of losing out on growth but will move back into full equities over the next 6 months regardless."
https://forums.moneysavingexpert.com/discussion/comment/81756050#Comment_81756050
23rd Dec:
"Going all cash in advance of the imminent global stock market crash of 2026"
https://forums.moneysavingexpert.com/discussion/comment/81803162#Comment_81803162
you look horribly obsessive tbh 🤷♂️
Did you commit and go all cash on 23/12, and is the plan still to go back to all equities by the middle of next year?
Why would I gloat? Odd thing to say.
No, just a few hundred k. Something to speculate with0
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