> demographics is working against asset values in the next twenty years or so. As someone who is about half way towards retirement, how is it best to work with

> demographics is working against asset values in the next twenty years or so. As someone who is about half way towards retirement, how is it best to work with this? My future retirement income seems to be mostly dependant on having the right selection of investments for my pension account to grow in time for when I stop working. It's currently split between a few low cost, broad indexes. But if we expect asset values to go down as older generations sell off, am I going to see this pension pot fail to meet what I need it to in order to cover my retirement. My pension advisor just seems to blindly follow the script of 'passive beats active', and expects 5% annual return. Which I just go along with, mostly because I have no idea what else to do. Am I being too pessimistic when I really can't see 5% return being likely. How do I go about making sure my retirement is provided for. It kind of annoys me I have to seemingly be constantly figuring out the market situation to make decisions on what's best. Why do I need to be a stock market expert to manage my pension. What I'd much rather do is pay for a future pension more like an insurance plan. I pay monthly now, and some experts who know what they are doing worry about the investment strategy, and I just get a fixed pension payment.