"Another issue I'd take with this is that it's a lot smarter to focus on cashflow...." Surely it depends on your aims? If its your pension you may not mind add

"Another issue I'd take with this is that it's a lot smarter to focus on cashflow...." Surely it depends on your aims? If its your pension you may not mind adding money in every month, as long as you get that lump sum/ steady income at the end.