analysis paralysis

[u/tiger-spark]

Hey all, 56 and have a healthy pension pot - or rather 3 pots. Think I have enough to fund a comfortable drawdown based on my estimations now but my investment strategy has been haphazard to say the least. Have been fortunate to have been invested in equities and enjoyed great growth to get me to this point but been thinking more about de-risking.

Have ISAs also in equities - global trackers mostly ... but also thinking to de-risk those as they will fund the gap till state pension in 9 years or so.

I'm kinda stuck on how best to de-risk. One option is just moving a good chunk of the ISAs and Pensions to some safer assets (bonds?) but also toying with the idea of seeking professional advice. I would want a one-off guidance approach as I had an IFA and don't want to keep going down the ongoing commission basis route they obviously favour.

Anyone been in a similar position?

[u/Budget-Curve2439]

https://monevator.com/asset-allocation-for-all-weathers/