We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Sequence of returns risk?
Options
Comments
-
I don't have any "accumulation" units as I don't have any units. Where I have the choice (GPP hang head in shame) all income arrives as cash.
But history tells us that bad times are bad for dividends so this isn't a solution.I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0 -
Dividends will usually fall but only to perhaps 80% and that's still a nice addition to the cash.0
-
True, but the "natural yield" in my SIPP is 3% as I'm globally diversified, so would still need to be selling down some capital.
Of course, even during the bad times, I'd still be taking the max from my pensions that taxation makes sensible, but would then reinvest in ISAs while using some of the cash.
It's going to take a while for me to mentally switch from accumulating assets to spending them. It just doesn't feel natural!I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.8K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards