Adjusting fund holdings to match planned drawing profile?

Albermarle

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Albermarle said:

The link does not work .

this page doesn't exist.

Try searching, or go to our homepage.

Bizarre, google on morning star returns the broken kink as well
Here we go then 
https://www.moneyobserver.com/fund/Allianz-Strategic-Bond-C-Inc

Albermarle

Wow - a very good result , a lot better than my bond fund, but even with that it performed well considering all the opinion about the inevitability of poor bond returns .

NedS

Linton said:

My 3 buckets are based on objective:
Growth - 100% equity growth returning double inflation in the medium/long term with maximum diversification.
Income - a steady income from dividends and high interest bonds
Wealth preservation: Inflation matching return at minimum risk

 @Linton please may I ask roughly what your allocations are to each of the 3 buckets and what funds you are using for your income bucket?

Also, do you have a separate cash buffer, or are you using your wealth preservation bucket as a "near cash" bucket combined with your income stream from the income bucket?

Linton

NedS said:

Linton said:

My 3 buckets are based on objective:
Growth - 100% equity growth returning double inflation in the medium/long term with maximum diversification.
Income - a steady income from dividends and high interest bonds
Wealth preservation: Inflation matching return at minimum risk

 @Linton please may I ask roughly what your allocations are to each of the 3 buckets and what funds you are using for your income bucket?

Also, do you have a separate cash buffer, or are you using your wealth preservation bucket as a "near cash" bucket combined with your income stream from the income bucket?

My allocation is 3/7 growth and 2/7 in each of income and WP.

Cash is held in PBs and in my current account, the latter to cover a forthcoming major expenditure. Although cash is held separately from the investments it is included within WP of which it currently represents about 30%.

I do not plan to use a buffer for income. Dividends and interest from the Income portfolio is paid into my current account when received and so forms a fairly steady income stream.  Cash is also released annually from our SIPPs up to the top of my basic rate tax band as part of rebalancing and used to top up our bank accounts if required. The rest is reinvested is S&S ISAs or PBs as appropriate to maintain the overall balance. Any unplanned need for major amounts of cash during the year would probably be covered from the PBs until the next rebalance.

The majority  of our income comes from SP, fixed annuities, and a fairly small DB pension owned by Mrs L.