Report Early Retirement Pitfalls, Requirements etc Your opinions in General Chat Posted March 23 13 hours ago, Redwing said: Re sitting down with an IFA. The advice that you would receive today would be totally different to what you would have been given before that little sh1t Putin started his antics, and more than likely be different to what would be offered in a month's time. My IFA always tells me that what the markets like is certainty and stability. Two commodities that are seriously in short supply at the moment. Now is not the time to be making life changing financial decisions. HOLD! I’ve seen 35% wiped off my main stocks in pension this year. If I was looking to purchase an annuity then I would be worried , as I would have to take that hit “now”. However as I’m looking to use a flexible drawdown of pension pot over next 25 years, there is plenty of time for market to recover and make some. This explains the risk angle well.