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Research for DIY drawdown
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westv said:Linton said:westv said:Thrugelmir said:westv said:tacpot12 said:This is a good overview article: https://www.trustnet.com/news/824990/what-is-the-best-way-to-receive-an-income-from-my-investments
This blog has some excellent articles on safe withdrawal rates: https://earlyretirementnow.com/
Generally the amount of the dividend is more stable than the yield.I have to admit that I didn't originally get that from your comment "Yes the yield from a share will fluctuate as the price rises and falls but that doesn't mean the cash value of the dividend will once you own the shares.". I thought you thought that the amount of cash coming in from dividends wouldn't fluctuate once you actually owned the shares.But I see what you meant by it now on re-reading the article where it goes a bit overboard on how up and down the underlying yields of assets can be and how that effects the income coming in.So yes, once you own the shares and provided the cash paid out continues to be fairly stable (though hopefully at least increasing by about inflation) then it doesn't matter so much what the underlying yield is.But of course dividends aren't set in stone and I see the article is nearly 3 years old. If it was done now I'm sure they'd talk much more about the fact that dividends can be cut (even to zero) and hence anyone can be in difficulties if they don't have a plan b on where to get the income from.1 -
scdandem said:Albermarle said:Of course you could hold no cash within the SIPP , but hold it outside in savings accounts , where it will at least earn a few quid and not taxed on withdrawal.
In this case though you would have needed to build up the cash savings over the years, which may mean you have not gained from tax relief by contributing to a pension .
I personally think Premium Bonds is the perfect place for "safe emergency money". Whether you feel that needs to be £10K or £50K, you know you can get your hands on it within a couple of days, and it *may* make perhaps 1% too.
Plan for tomorrow, enjoy today!1 -
No the money went into our ISAs so nothing to do with the IFA.1
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