u/GrapefruitPerfect313

Hi all,

I really don’t like my pension fund at work mostly because of its low returns (2.4% p.a. over the last 20 years) and the fact that any pension provided will not be adjusted for inflation.

I think I’ll have to swallow the low returns because I really like the job and the company.

However I was thinking. Can you resign instead of retire at let’s say 62? And never find a job again ?

This way I could get all my assets transferred to a vested benefits account and surely I could find one with better conditions that my pension (eg one with broad index funds to invest into and take money from there?).

How does that work ? Am I missing something ?

Thanks!

Hi folks,

For those of you who do not intend to stay 100% equity when retired, what is your rebalancing strategy when coming closer to retirement and why ?

1. Do you intend to sell some of your VT (or equivalent) to buy something else (bonds, dividend ETFs, futures, etc) at retirement age (let’s call that hard rebalancing) ?

2. Or will you stop investing 100% VT a few years before retirement and start purchasing something else so that you hit your expected balance at retirement age (let’s call that soft rebalancing) ?

Thank you.