“Your question appears to be straightforward but as always there is far more information required in order for a full response can be given. 

“The big question is whether you are of an age where you will continue to accumulate and will do so for many a year or whether you are approaching the time when you de-accumulate? 

“Furthermore if you are approaching de-accumulation will it be your intention to secure a guaranteed income or to finance expenditure in retirement from an income stream generated from the pension fund?

“As always there are more questions than answers but there is much merit for those pension investors who are getting closer to retirement to remain longer term investors in dividend aristocrats and autonomies as have been advocated by David and Eoin over many years here on FTM.”

David Fuller's view

Thank you for these important points.