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@ojusvee06 I'm 41 and have it in almost 100% equities, but a good six months of savings too at 4-5% (and a buffer back in my home country). My pensions are only at 55k currently because I wasn't adding to it at all during my twenties, and not much until my mid thirties. Now I'm at 24%...

@joeydee Ditto! I kept putting it off because I wasn't sure, and thought changing would be a pain. Four clicks later 🤦 I know changing today is better than changing tomorrow, but two years ago would have been even better.