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How low to take accessible cash after retirement?
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enthusiasticsaver wrote: »About 60% equities. The funds were achieving an average of at least 5% over the last 5 years so not too far off the mark. Not achieving that at the moment though.
How often do you get your portfolio reviewed. In the absence of a decent yield on Government & (quality) Corporate Bonds you adviser needs to be looking at alternative options for your portfolio. The old 60/40 portfolio may have worked in the past. Currently on a forward looking basis. It would require equities generally to perform exceptionally well to do the heavy lifting required.0 -
The portfolio has only just moved to an IFA. Previously I had it all invested in VLS60. The portfolio is reviewed quarterly.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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enthusiasticsaver wrote: »The portfolio has only just moved to an IFA. Previously I had it all invested in VLS60. The portfolio is reviewed quarterly.
VLS 60 returned 15% in the first 9 months of 2019 and the market has done well in October. An IFA would have had to work very hard indeed to achieve less than 5% return. Or are you talking about 2018?0
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