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Bucketing strategy. When to de-risk?

Superdude0499 · 2023-10-12 12:41:37

Hello, very much leaning towards a ‘bucket’ strategy regarding my pension. Currently all in on global equities. How long before retirement would it be prudent to start shifting part of my funds into three buckets? Now? Or closer to retirement? Bit more info… 52 now, planning to retire at 60. With reasonably pessimistic…

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Bostonerimus1 Posts: 1,425 Forumite

16 October 2023 at 7:20PM edited 16 October 2023 at 7:21PM

If you want to really de-risk then buy an annuity. An asset allocation of a year or twos cash in the bank to cover emergencies and cash flow, a DB pension or annuity and SP for basic income and then close to 100% equities for growth and discretionary spending works well for me.

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Bucketing strategy. When to de-risk?

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