Monthly income

green_man

Cheers John, I find these posts interesting and you usually prompt me into looking at a couple of options for my own income portfolio, which is the same size of yours, but with under half the number of holdings.

bostonerimus

As an antidote to 29 funds and graphs I use a US equity tracker, an International tracker and a US bond tracker and if I start drawdown I will take a total return approach. My dividends are usually between 2% and 3%. With capital gains, last year's return was 8% and this year I'm on course for 18%.

bowlhead99

bostonerimus wrote: »

As an antidote to 29 funds and graphs I use a US equity tracker, an International tracker and a US bond tracker and if I start drawdown I will take a total return approach. My dividends are usually between 2% and 3%. With capital gains, last year's return was 8% and this year I'm on course for 18%.

We know, you take every opportunity to tell us.

Let the boy have his fun

bigadaj

bostonerimus wrote: »

As an antidote to 29 funds and graphs I use a US equity tracker, an International tracker and a US bond tracker and if I start drawdown I will take a total return approach. My dividends are usually between 2% and 3%. With capital gains, last year's return was 8% and this year I'm on course for 18%.

Well your returns would have been far higher in the uk, even if only for sterling devaluation.

A_T

bostonerimus wrote: »

As an antidote to 29 funds and graphs I use a US equity tracker, an International tracker and a US bond tracker and if I start drawdown I will take a total return approach. My dividends are usually between 2% and 3%. With capital gains, last year's return was 8% and this year I'm on course for 18%.

May I ask is this with Fidelity?

greenglide

It will be Vanguard.

Doesn't matter what the question is his answer is always "Vanguard".

ColdIron

There is not, and will never be, a problem designed by man to which the answer will not be a few Vanguard trackers

JohnRo

Well to be fair I do hold VWRL in the index portfolio. I'm just perversely looking forward to a downturn and seeing how that and this compare under different market conditions.

bostonerimus

bowlhead99 wrote: »

We know, you take every opportunity to tell us.

Let the boy have his fun

Yes, I know I'm a broken record and that evangelism is annoying, but so is the voodoo and over complication often associated with investing. Having 29 funds will work for some people, but it's not necessary and there are far simpler ways of doing DIY drawdown.

bostonerimus

greenglide wrote: »

It will be Vanguard.

Doesn't matter what the question is his answer is always "Vanguard".

For me Vanguard and TIAA-CREF have worked well, but there are lots of places to buy low cost trackers. I just recommend what has worked for me.