Should we safeguard the growth during this US administration

[Bagman]

You really need to dive into what "high risk" fund is invested in, obviously many people found out that "low risk" funds weren't low risk at all ,they had a high proportion of bonds that were bought at very high prices(low interest rates) and the prices dropped as the interest rate rose with the covid inflation.

Fair point, I dont mean high risk for the sake of high risk, I mean a high percentage of global equities which is how most fund providers seem to judge it. The default funds which are recommended to people tend to be too conservative from personal experience.

 

[misemoi]

Another thing to remember is your deferred schemes, which a lot of folk have as it is more common to move roles. I was under the mistaken impression that I couldn't change the plans in these, but of course I can.