Planning a portfolio

Nebulous2

To update this for anyone interested. The index trackers have done well and are up to 11% up, depending when we bought them. The managed funds are all behind that, sometimes only marginally. The main turkey has been Japan, with the fund I chose being about 5% down. We are over £5k up between us on £80k in equities. I also had a £1000 win on premium bonds. 

It has taken ages to confirm my pension and work out where I stand, but my DB pension more or less meets our running costs. 

I’m working two days a week for the NHS and expect to earn around £18k.  I’ve joined the NHS pension scheme and have just signed up to pay £1000 a month into a SIPP. The work is more about feeding gradually into retirement than any need for the money. 

Spending is is not going to come easy, but I have ordered an expensive new bike, which will take a while to deliver, due to a shortage of parts. I’m also buying more expensive cycling gear than before, but it still feels quite profligate. If the bike is substantially delayed I may well be able to pay it from excess income, without touching my capital. It still feels extravagant however.