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Investment planning
I have posted this to the 'Savings and investments' board.
Comments
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A global equity fund plus an 80/20 multi-asset fund largely overlaps, so you are not truly diversifying. Either use a single multi-asset fund or a clear two-fund split: global equities and bonds. Your 3.3% withdrawal target is broadly reasonable, but relying on dividends alone is inefficient; focus on total return. An 80/20 allocation looks aggressive for “moderate” risk with 40-year income needs. A lower equity share improves resilience and reduces sequence risk.
TBH I'd work with an IFA to model income over different scenarios, only need one time advice not a perpetual cost of asset management
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