I enjoy travelling and love doing volunteer work, especially fundraising. And that is probably what I'm going to do when I retire. The AVC program came into my life at a time when I thought that I had taken enough risks with my investments. I don't want things all over the place And now when it’s time to retire, I don't have to focus on where all the investments are. When I retire, I'd like to explore as much of the world as I can. The world is just too big to see the same place twice.