Good to hear that you’ve done what’s best for you and your circumstances 🙌 Counterparty risk is rarely considered when assessing investment options. No point having paper wealth if you can’t withdraw it when you want. People who invest with the Blackstone BREIT have found that out the hard way with withdrawals. In Aus there was been resistance by super funds like HostPlus to early withdrawal because they have little to no liquidity since they hold no cash in their balanced fund options (which most members are in by default)