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@soul_searching_gal !thanks . Is there any specific risks of switching funds now? I don’t think so - they’re probably very similar investments and the money won’t be out of the market for any period of time - but would be good to understand if there’s a better time to switch to lower cost...

Following the flowchart, I’ve noticed my workplace pension charges about 0.6% for an actively managed lifestrategy fund, which is too much! Now keen to follow Tim Hale and this sub’s advice, looking to move to passive Equity funds (30+ years to retirement) with TERs of 0.1% on the workplace...