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@reowen I was the same, it's annoying when you think about what could have been, but at least we know now for the next 20-30 years!

@reowen For me that's too cautious, but if you'd feel more comfortable doing that then that's fine. And it doesn't matter that it's 10 years of pension build up, what matters is the future. If you had £0 in your pension right now and had a lump sum to invest, would you go 50/50 or 100%...

@reowen Yeah if it were me I'd reallocate everything (old pensions included). I did that three years ago and haven't looked back.

@reowen I'd redistribute 100% in to the World Equity Index, as I assume that will include Emerging Markets and Small Caps anyway, and then redistribute some of it to the Target Date fund closer to retirement if you wish. Or 95% World Equity ex-UK, 5% UK Equity.

@valetic I would because they have individual shares as well as just funds.