Insights

One of the biggest risks retirees face is over-derisking their portfolio too early. It might feel comfortable to move heavily into cash or low-risk assets… But this can quietly create a much bigger problem.

Lower growth

And when growth drops, every withdrawal you take starts eating further into your pension pot.

Not just the income.
But the capital itself.

Over time, this increases the risk of your fund running out. Because here’s the reality

If you retire at 67, your pension may need to last 25–30 years or more ⏳

That’s not a short-term strategy
That’s a long-term investment journey

Keeping a well-structured, equity-based element within your portfolio can help:

• Maintain growth potential
• Combat inflation
• Support sustainable withdrawals over time

This isn’t about taking unnecessary risk. It’s about recognising that too little growth can be just as dangerous as too much volatility

The key is:

• Balance 
• Structure
• A clear long-term strategy 

Because the real question isn’t just:

“Am I protecting my pension today?”

It’s:

“Will it still be there in 20 or 30 years?”