In addition to pensions etc we have some money in s&s isa for long term savings/retirement.
I also want to start investing to pay off our mortgage early - and have capacity in our isa allowances to do that, rather than overpay mortgage with interest rates so low.
If I aim for a 10 year plan can any one advise about how to go about de-risking? I'm thinking lifestrategy 60% ('moderate' risk) but then what? End goal is fairly flexible, so do I think 3 years out to move into something low risk and just hope the market hasn't tanked?
I've read a bit about going into the drawdown phase etc for pensions but this is a bit different. (Not that I'm clued up on that either!)