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I am taking a monthly draw down on an AVC pension through Hargreaves Lansdown Vanguard funds. It's only a small monthly amount but it covers my season ticket.

True but it depends on your attitude to risk? A lot of pensioners are risk averse to investments that may go down. Cash pays diddly squat.

Two other things. Do you intend to stop working completely or take on a part-time or full time job? Are you mortgage free? (assuming you are buying).

Depends if you need the cash or not? If the pension gets an annual inflation increase, I would plump for that (reduced with a lump sum) Sounds like a silly question but how much longer do you think you will live? ISAs don't have much of a return at the moment (or the last 8 years or so come...