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@tert Assuming you save 0.4% on the fees, that 1% increase (and assuming 7% subsequent) would be beaten by a 0.4% fee decrease (assuming 7.4% subsequent) in less than three years. This is of course, far shorter if the increase is less than 1%, or indeed flat to negative. This fee saving is much...

@lesigny You've already outlined the only real risk, that you'll be out of the market, for better or for worse depending on the way the market moves; but it shouldn't make any real difference.

@lesigny Vanguard lifestrategy has a moderate UK bias. Vanguard global all cap has a more accurate UK weighting. You should be able to mirror both with different combinations of the UK and world ex. UK funds.