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rothers said:Thanks all, I am fairly settled on the vanguard LifeStrategy multi asset fund, my only other decision to make is whether to go with 60% or 80% equity. My wife is fifty and will be working for another ten years however we should be in a position to delay drawdown for 2 or 3 years if we are in the middle of a slump at that time. The reason for my indecision is that I’ve read about bonds potentially not returning as much if interest rates rise.Can anyone offer any opinions on that? Cheers.
Some people have moved away from bonds altogether and instead hold a mixture of equity and cash.
However most think that bonds will continue to perform their traditional stabilising function in future , although I do not think anybody is really expecting to see the growth in bond values seen in recent years ,1
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