Fledglings have three development stages; a growth phase, where wings are strengthened and the exoskeleton hardened, a fat accumulation stage and lastly, oocyte development.
Our clients have completed the asset accumulation stage of life for the most part and can not replace losses -- so we err of the side of caution when in doubt.
Alternatively, you can convert the existing pension back to the accumulation stage, combine the two super accounts and begin a single allocated pension.
