Should we safeguard the growth during this US administration

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.
 
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.
 
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