Want to try and achieve 4% income and retain value of portfolio

bostonerimus

Thrugelmir wrote: »

With bond yields currently extremely low. The equity part of the portfolio is going to have perform extremely well on a consistant basis to achieve inflation linking.

You could also have pointed out high stock valuations. I'm just going with the historical statistics and throwing in some terms like "probably" to cover my behind.

Alexland

frugal90 wrote: »

Have been looking at these model portfolios from ii who we have our ISA's with. Any comments. I was considering moving my ISA to the managed income and my wife to the low cost income. Any views?

II would love customers to adopt these 7+ investment portfolios as they would get more trade fees. I can't see anything special about them and expect most customers would do better keeping things simple taking a total return approach with either a mixed asset fund or for larger sums a 2 or 3 fund portfolio.

Alex

JohnRo

frugal90 wrote: »

How would you change it, portfolio value currently about £300K

FGT: 16%
HSL: 3%
JPGI: 8%
MRC: 5%
MRCH: 16%
CTY: 26%
HNE: 4%
HFEL: 22%

Of the list given and the objectives you've stated I'd choose to move it all into JPGI. Easy for me to say...

Relatively low cost and geographically diversified global equity income.

That said JPGI fairly recently switched to quarterly dividends which has moved it to a premium, it is equity based so capital valuation will be volatile but should, given the record of equities over the longer term be preserved if as you say you can ride out the ups and downs.

There is also, unfortunately an odious 15% performance fee.