LJ, if your investments are just keeping you above inflation by a percentage point or two I would find a different financial adviser. The other aspect to consider in all of this age vs risk investment strategy. The younger you are when investing the more risk it is acceptable to run. I’m not talking hair-brained investments like Bitcoin but there are some excellent managed funds returning 5year average around 10% - 15% whilst investing in large bluechip companies. Warren Buffet mantra is key here. Now I appreciate I’m in a fortunate position but my investments will eclipse the AFPS75 pot’s worth by the time I’m 40. Add the continued compound interest whilst I’m still working to say 52-53ish and getting out early, investing wisely and enjoying a lengthy retirement sure has hell beats staying in. That plan also doesn’t have me needing to be in the ME until retirement.