u/Dogsofa21

I have over £500k in LifeSight funds (100% equity)which I want to move to a cheaper platform. Eventually ii but as an interim probably AJ Bell because I read transfer is easy. I had wanted to this quarterly but can only withdraw 1/year. This feels an overwhelming large sum to invest in one go. Other than property and a small db pension (and eventually state pension), I am 100% in equities. But I struggle to see the benefit of bonds ( lower returns but still volatile).

I am 2-3 years from retirement and can live comfortably off £50k so will never pay 50% tax. Drawdown initially £35k pa then £25k when SP kicks in. So I get global index trackers but what to balance with equities if I should reduce exposure? And should I move into income rather than accumulation funds? Do I have to do manually sell off funds to access income? And I do want to take 25% income free c 150k. I can put £40k straight into isas as near end of tax year, but rest of cash will incur income tax wherever it is lodged. I do plan to spend the tax free money (campervan, extension to house), but over 2 years, so can I stagger tax free withdrawal? Or move invested funds into ‘low risk’ risk money funds within SIPP?

So interested in everyone own personal approach on drawdown/ nearing drawdown and. Fund choices other than global index funds

Seen a few contrary articles which could be due to out of date web pages or changed rules. When booking a reward voucher does the booking have to be paid 100% avios or can you do a mixture of avios and cash?

So I am unlikely to fork out for business / world traveller, so the value of the companion ticket is less. I also might struggle to get to £10k spend on Amex as I live rurally, so BA visa would be better. I am also put off by the cattlecrush ‘355 days at midnight’ to bags the limited seats on offer.

I don’t have to fly in peak school holidays anymore. Flights more likely Africa/ Sth America/ SE Asia. Might even travel solo. Are the upgrade vouchers available restricted? Am I mad to think upgrade voucher is good enough even if not the best bang for buck?