Managing Your Money 

The perils of de-risking near to retirement

The perils of de-risking near to retirement

Lifestyle funds are a seductive solution to the demands of building and maintaining a retirement fund. The funds supposedly do all the thinking, moving into lower-risk assets as an investor nears retirement. However, there is a danger that high exposure to gilts could leave investors at this time of life vulnerable if the climate of low interest rates and quantitative easing starts to shift.

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