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Income Fund suggestions for SIPP
Comments
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Linton said:Bostonerimus1 said:Linton said:Bostonerimus1 said:Linton said:Bostonerimus1 said:What's income? Interest, dividends, capital gains and maybe even spending some capital. So one way to generate those is a balanced portfolio of equities, bonds and cash. Take a look at "Total Return".
An income fund is one that produces a steady and regular set of cash payments over time higher than the market average. This can be contrasted with a growth fund with an objective of increasing capital value over the longer term.
Generally capital value is far more volatile over the short and medium terms than income but may lead to higher long term returns.
Which type of fund is most appropriate depends on your objectives.
One concern is that the assets being allocated may not be best suited for higher income. For example very safe bonds would probably strongly outweigh corporate bonds and interesting niche options like REITs and Infrastructure would be almost entirely ignored.
Perhaps more research is neded.
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MK62 said:Linton said:Bostonerimus1 said:Linton said:Bostonerimus1 said:Linton said:Bostonerimus1 said:What's income? Interest, dividends, capital gains and maybe even spending some capital. So one way to generate those is a balanced portfolio of equities, bonds and cash. Take a look at "Total Return".
An income fund is one that produces a steady and regular set of cash payments over time higher than the market average. This can be contrasted with a growth fund with an objective of increasing capital value over the longer term.
Generally capital value is far more volatile over the short and medium terms than income but may lead to higher long term returns.
Which type of fund is most appropriate depends on your objectives.
One concern is that the assets being allocated may not be best suited for higher income. For example very safe bonds would probably strongly outweigh corporate bonds and interesting niche options like REITs and Infrastructure would be almost entirely ignored.
Perhaps more research is neded.
For investing during retirement, success could initially be defined as something like meeting one's planned expenditure for the rest of one's life..
One of course may have other objecrtives such as a large inheritance for the kids. If the objectives are very different I would argue for the use of separate portfolios with very different strategies.. Otherwise it is more difficult to implement any trade-offs you wish to make. WIth separate portfolios you simply move assets from one to another in line with the relative importance of the objectives.2 -
Your approach does the job though, probably without the stress a highly sweated portfolio would generate.0 -
Nick_Dr1 said:
Your approach does the job though, probably without the stress a highly sweated portfolio would generate.And so we beat on, boats against the current, borne back ceaselessly into the past.0 -
Linton said:MK62 said:Linton said:Bostonerimus1 said:Linton said:Bostonerimus1 said:Linton said:Bostonerimus1 said:What's income? Interest, dividends, capital gains and maybe even spending some capital. So one way to generate those is a balanced portfolio of equities, bonds and cash. Take a look at "Total Return".
An income fund is one that produces a steady and regular set of cash payments over time higher than the market average. This can be contrasted with a growth fund with an objective of increasing capital value over the longer term.
Generally capital value is far more volatile over the short and medium terms than income but may lead to higher long term returns.
Which type of fund is most appropriate depends on your objectives.
One concern is that the assets being allocated may not be best suited for higher income. For example very safe bonds would probably strongly outweigh corporate bonds and interesting niche options like REITs and Infrastructure would be almost entirely ignored.
Perhaps more research is neded.
For investing during retirement, success could initially be defined as something like meeting one's planned expenditure for the rest of one's life..
For example, you might decide that if the indexed value of your portfolio is above 67% of the starting value, 10 years into a 30 year plan, then you are on course........0 -
Back to the OP's question...
JPMorgan Global Growth & Income investment trust is designed to pay regular dividends and has a good long term record.
https://www.trustnet.com/factsheets/T/ff07/jpmorgan-global-growth-&-income-plc/
Perhaps useful as part of a portfolio. But I have the same question myself - I don't take income now, but what's the best way further down the line? A mix of investments, some growth, some income generating. Or investment trusts designed to pay an income, such as the above. I guess it also depends on what stable income, e.g. pension, you already have.0 -
Beddie said:Back to the OP's question...
JPMorgan Global Growth & Income investment trust is designed to pay regular dividends and has a good long term record.
https://www.trustnet.com/factsheets/T/ff07/jpmorgan-global-growth-&-income-plc/
Perhaps useful as part of a portfolio. But I have the same question myself - I don't take income now, but what's the best way further down the line? A mix of investments, some growth, some income generating. Or investment trusts designed to pay an income, such as the above. I guess it also depends on what stable income, e.g. pension, you already have.And so we beat on, boats against the current, borne back ceaselessly into the past.1
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