The 4% Rule

ams25

https://earlyretirementnow.com/2017/03/15/the-ultimate-guide-to-safe-withdrawal-rates-part-11-criteria/

Interesting article scoring the 4% rule vs others.... the best appears to be a CAPE based rule.

You can also see in depth articles on all the common withdrawal approaches. Key message as ever is these rules are guidelines to be used with flexibility etc.

After readling all this I am sticking with 3% net of fees for now as this gives us enough..but nice to feel that unless we have a horrible period of returns there could be room for upgrades.

TBC15

Great British Invest off or Passive V Active

For those who are curious to compare their Passive/ Active investment strategies I propose to start a new thread 29th with monthly updates (Bottom lines only) if there is sufficient interest.

Portfolios rebased to £100000 on the last active day of trading on the 29th Sept and constituents followable on Trustnet .

Ideally the portfolios should mirror the investor’s actual holdings as near as possible with Trustnet. This is not really a fantasy league.

TBC15 Active £100000
£3,700 AXA Framlington Global Technology Z Acc
£5,100 Fidelity UK Smaller Companies W Acc
£9,700 First State Greater China Growth B GBP Acc
£35,200 Fundsmith Equity T Acc
£1,100 Jupiter India I Acc
£10,500 L&G Global Technology Index Trust I Acc
£10,800 Liontrust UK Smaller Companies I Inc
£14,100 Slater Growth P Acc
£2,100 Stewart Investors Global Emerging Markets Leaders B GBP Acc
£7,700 Stewart Investors Indian Subcontinent B GBP

Initial disclosure of constituents for transparency.

Monthly updates (Bottom Line) to be provided by participants.

Anyone up for it, this could be interesting and tedious.

AnotherJoe

The flaw in your plan is twofold.
1. You are not comparing active with passive. You are comparing that particular blend of active (why that mix?) with some ?which? passive.
2. See point 1.

TBC15

1. It’s what I’ve got
2. Do you want to play or not?
3. If the secret of my success is my 10.5% dalliance with the dark side of teck I’ll freely admit it.

BLB53

I hold Vanguard Lifestrategy 60 in my sipp and would be interested to compare performance against an active portfolio but would need to be long term.

TBC15

Long term that’s where the tedious comes in, if you only have one holding I’ll include you and do the updates in if you want. But if 2017 is anything to go by its not going to look pretty.

BLB53

But if 2017 is anything to go by its not going to look pretty.

Yes but see how things look after the impending downturn...

Maybe now a good time to start off a new thread?

TBC15

So can I count you in?

Bravepants

BLB53 wrote: »

I hold Vanguard Lifestrategy 60 in my sipp and would be interested to compare performance against an active portfolio but would need to be long term.

Is that the only product you hold?

I hold VLS60 with a global equity fund in my ISA to make 70/30 equity/bond mix. But I intend to shift fully to VLS60 in 6 years or so when I get to 55. With my AVCs I aim to transfer to VLS60 in a SIPP ready for drawdown. I figure one simple product will do me.

BLB53

So can I count you in?

Yep you can count me in.