Great to hear from you again 52andout. A few quick thoughts:- Be careful not to let your expenses escalate too much - you have a distance to go yet! Global equities have performed very strongly in the very recent past but try not to peek at the value of your DC scheme too often - it's the long-term performance (20 years+) that really matters. Interest rates have certainly fallen further but then so has inflation (CPI is currently minus 0.3%). I still think 5-year State Savings Certificates are a great deal. I don't think you need to make any radical changes to your investment approach given your circumstances. You could take on more investment risk but to what end? Is there a particular area of the voluntary sector that you think could benefit from your time? I've no doubt that other posters will usefully put you to work once they have a sense of where your talents could best be employed!