Should I Delay Buying Gilt Ladder

MarkCarnage

https://forums.moneysavingexpert.com/discussion/comment/81914829#Comment_81914829

By delaying you are essentially betting on real yields rising….which they might, or might not. Main thing is that real yields aren't negative at the moment right across the curve, unlike the situation for some years until 2022.
How long is your appetite for delaying? Do you have a specific real yield trigger/target? Is it actually worth delaying for that?

Veloflyer

https://forums.moneysavingexpert.com/discussion/comment/81914829#Comment_81914829

I think I have a similar issue. I have just sold enough equities within my SIPP to cover basic expenditure hopefully until I depart this mortal coil. Mainly this is to preserve what I have, partly as a bridge until SP kicks in. It is now in cash in the SIPP with the intention to purchase a 4 or 5 year ILG ladder at some point. I too am wondering whether to delay, but if the ILGs are held to maturity as I intend, does any delay signify?

ali_bear

I guess you need to check the dirty price of those ILG's to see what you will be paying for them.