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All world tracker
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Interesting about MMF as my one year emergency fund ? do you mean STMMF?Bostonerimus1 said:You've got a decade so I'd make sure you had 1 year of spending in a MMF for emergencies and then use something like a 60/40 mix of equites and fixed income. If you have a substantial pot already you might be able to take a bit more risk. Don't forget about annuities when it comes to retirement. Also pay off any debt before you retire, that takes a lot of pressure off your need to generate income.
I have an All word tracker ACC, I am looking into a mix of equites (60/40 or 70/30), and it seems most of these funds are similar, would it make sense to choose one base on their fees ? In terms of income from the funds, may be not change my All World tracker ACC to and INC but choose a mix of equites INC ? or as dividends so I can always reinvest the dividends back minimise CGT?
Also, need to keep back funds for 3 yeas of ISA allowance (will lose the time in the market but will get some tax free allowance?0
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