Is keeping your pension in cash actually the safest thing you can do — or is it the most expensive mistake you'll never notice?

Most people assume cautious means protected. But over 125 years of UK market data shows cash returns just 0.8% above inflation per year, while a balanced portfolio returns around 5%. On a £200,000 pot, that gap is over £90,000 after 20 years — and it compounds silently while you feel perfectly safe.

In this episode I walk through exactly how the lifestyling mechanism works, why your pension provider may have already moved your money without telling you, and how to use the bucket approach to manage sequence of returns risk without panic-selling in a downturn. I also cover the inflation and fiscal drag squeeze that is hitting cautious savers from both sides right now.

With over 25 years advising on UK pensions and retirement planning, I've seen too many people reach retirement with far less than they should have — simply because safe felt safer than it was.

Watch this episode in full on our YouTube channel: https://www.youtube.com/@retirementandmoney