Holly Mckay
Holly MackayFounder and CEO
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    • Home • Advice • Common questions

    Should I move from passive trackers to active funds when I'm planning to start drawdown in the next one to two years?

    15 April 2026

    Question by Boring Money reader

    Answered by Holly Mackay

    I don't see any reason to change your investment approach. If passive funds

    have worked well for you so far, there's no concrete reason to switch to actively managed ones. Some people do look more towards income funds when planning to take money from their investments, so that might be worth investigating. But if the general aim is to remain invested in global capital markets throughout your retirement, I don't think you need to make a switch in investment style from passive to active.

    Answered by

    Holly Mackay

    Founder & CEO, Boring Money

    I’ve worked in investment markets for over 20 years. I started out at Merrill Lynch Investment Management and worked at a few big names before setting up my first business in 2008.

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    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
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    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.