Drawdown Strategy Mid Term Investment

Triumph13

You may find it helpful to slice your portfolio by function as well as / instead of by time period. A solid core with minimal risk, plus a long term income pot where you can cope with volatility because the core part reduces overall volatility.

In your case, something like a bond ladder / series of term deposits could fill the place of your SP. That plus your DB gives you a solid floor. You could then have a high equity percentage in your long term pot. eg if your floor was 50% of your total spending then if a prolonged crash forces a 20% cut in drawings from the long term pot that's just a 10% drop in overall income.