Acc or Inc in Drawdown

westv

MK62 wrote: »

It is quite high on the face of it, but if the OP's aim is £10k for 12 years, from a £200k pot invested in balanced multi-asset funds, he'd have to be extremely unlucky not hit that target (and likely have a fair bit left too)......that said though, I would probably have a cash buffer too, but maybe just a year or so's worth.

Or maybe they could split the pot. A proportion in low risk investments to fund the 12 years until state pension and a proportion in higher risk funds drawdown at a rate of, say, 3%.

Doglegger

westv wrote: »

Or maybe they could split the pot. A proportion in low risk investments to fund the 12 years until state pension and a proportion in higher risk funds drawdown at a rate of, say, 3%.

Thanks Westv but would you expect that approach to outperform a medium risk multi-asset in the long term?