Please look at my portfolio - should I make any changes?

diveleader

The end of our company drawdown period is fast approaching.

This means that 'large' investments etc will soon come to an end and myself and Mrs Leader will be moving into de-accumulation.


We will be looking to fully fund the ISA's each year, by increasing liquidation of out trading funds.


Our current breakdown is as follows - should we by adjusting or purchasing other funds etc..?


Background
I am 51 / wife is 50. Hopefully we will have a long retirement ahead of us.
State pensions are fully 'paid up'

No other debt.




Our portfolios as spread across SIPP's / ISA and trading / bank accounts.


Vanguard 80/20 60.3%
Vanguard 20/80 5.4%
Blackrock global property securities tracker 5.3%
Vanguard global small cap tracker 6.7%
Discrete shares (dividend payers) 5.1%
Peer 2 peer lending (have been reducing) 1.2%
NSANDI index linked 1.1%
Cash 14.9%



Investments have performed well over the last few years and our 'number' for retirement is met by just 1.72% of the total pot.


I originally set the ideal number as 3% of the total, but we are drawing much less than this.


Cash values are still to high in my opinion. As some fixed rate deals come to an end I am looking to:


- Keep a three year cash buffer (earning as much as it can)
- Move the remainder into the investments.


With such a (hopefully) long retirements, I feel that our equity mix should stay high, however, as we are only drawing down at 1.72% we could afford to lower the risk.


I am unsure...


Your thoughts please.


Thanks

kidmugsy

I suspect depression is more of an imminent risk than inflation. Nonetheless I might fancy a fund or ETF that invests in TIPS - the US equivalent if Index-Linked Gilts. But they have a much higher real yield than ILGs. Do you wish to be protected from US inflation rates? Perhaps you do if such inflation were to be accompanied by roughly comparable inflation in the rest of the developed world.