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State pensions a problem in many countries, on reaching retirement age, if allowed to commute part pension, move as much as legally allowed, invest where you desire with that amount.

My side investments are doing pretty well, so I will likely just let the two remain separate. It's always a fear in the back of my mind though.

Good to spread and keep separate, another I firmly believe in in fiat cash stashed somewhere in the home, no interest but a safety net. We have experienced how quickly the rug is pulled from under ones feet, when hard cash is a must have to buy essentials.

We have a safe that we keep cash in for those times that we suddenly need it. It has come in quite handy over the past decade.

Something we have always done, weary of banking and others....