Investing/planning for the short term

SVaz

Planning to retire in 6 years at 64. 
There will be a gap between age 64 and SP, DB pension will pay around £7500 in today’s terms. 

I will need a further £6000 of taxable cash to fully use my PA ( £13750)  assuming the threshold doesn’t rise -   

so I’m thinking £7500 UFPLS from a part crystallised Sipp which I’m currently topping up and buying a  STMM fund, which I will continue to do until the rate falls below 4% - then I’m not sure what to do? I’m also getting income from 3 of my 4 funds that I’ve now put in STMM ( £6k in it now) I’ll need £23k for 3 years UFPLS. 

When rates fall,  which I’m assuming they will by around 2025/2026,  is setting up a Bond ladder a good option?  Anything else for a bit of growth rather than keeping it in cash and seeing it drop in real terms? 

My Wife will take around £9k UFPLS for those 3 years too so needs to rejig her investments as she’s currently all equities,  although from 64-67 she will do the £2880-£3600 dance so will only need around £16k in cash. 

 Is it best for her to redirect some of her contributions ( currently £3600) into STMM now or wait  2 years then direct most what will then be £6000 a year contributions, into cash or Gilts?  

We won’t need to draw much from age 67 so the income from our funds should cover it.  Total in our Sipps will be around £200k at that point.  May well buy annuites post-75. 

I have another uncrystallised Sipp that I’m contributing to ( Self employed)  that will be approx £80k and provide a few years tax free cash or a lump sum for  ‘extras’ if needed.

SVaz

Bumping as the post got lost in yesterday’s many other threads.