at this stage
When do you want to retire?
Have you considered your retirement lifestyle? Or when you actually want to retire? If you know when and how you want to spend your time, you’ll need to make sure that your pension fund will cover those demands. It’s not too late at all to review your funds and make any necessary adjustments.
Your attitude to risk
In the years since you first took out your pension policy(s), your attitude to risk may have changed. As you get closer to retirement, you may be looking to secure your pension funds. Completing a careful reassessment of your risk tolerance, may well help you achieve these goals.