The 4% Rule

TBC15

100% Lifestrategy 60?

TBC15

Ams25, bostonerimus are you both still game?

stoozie1

How will people record what is growth and what is their own injection of capital by buying more funds?

TBC15

Fixed start value of £100000, no extra funds.

It really should mirror what you hold be you a passive or active investor.

Linton

You may find the following post of interest - it dates from December 2013.

Linton wrote: »

I will stick my neck out and pick some of the ones I hold to be put against Vanguard GLS 100.

Old Mutual UK Smaller Companies
Framlington Health
Blackrock European Dynamic
Henderson Global Tech
F&C US Smaller companies
First State Asia Pacific

Make the same investment in each, so a broad geographic spread with a bias towards the US.

Annual Returns: previous years 0-12m, 13-24,25-36, 37-48 (if the portfolio had been running for 4 full years)

Linton: 15.7%, 25.4%, 9.7%, 11.3% - 4 year total: 77%
VLS100: 13.9%, 26.2%, 0.6%, 8.2% - 4 year total: 56%
FTSE World Index:15.0%, 29.9%, 0.8%, 10.1% - 4 year total: 66%

Note that the Linton data was based on the old bundled charge funds.

I will put in one based on my current growth portfolio holdings.

TBC15

Linton, nice to have you on board.

jamesd

ams25 wrote: »

earlyretirementnow ... in depth articles on all the common withdrawal approaches.

In depth but wrong, particularly about Guyton-Klinger. Seeing how badly they seem to understand that and don't actually use the Guyton-Klinger rules in calculations they label as Guyton-Klinger I suggest caution with anything they write.

What I suggest is real Guyton-Klinger modified by Guyton's sequence of returns risk reduction, which varies asset allocation based on cyclically adjusted price/earnings.

AnotherJoe

TBC15 wrote: »

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.

1. Not sure I understand that. Do you mean that is your actual portfolio?
2. No because only a study over whole stock market over decades means anything.
Or to put it another way, the plural of "anecdote" is not "data"
3. Maybe I've simply misunderstood your post.

TBC15

1. Yes ratios rebased to £100000
2. OK
3. Possibly

ams25

TBC15 wrote: »

Ams25, bostonerimus are you both still game?

sure why not. Just for a bit of fun.

I will post my active portfolio of funds that are roughly equivalent to vls60, based on funds I currently hold. Be interesting to compare over time, especially as I also hold vls60!