Post by bobo on Jul 7, 2019 12:05:43 GMT
Just as your point 5. chimes with something else I read recently (and if we can divert to casinos then we can certainly divert to this ) then there's an excellent blog called Early Retirement Now, which ran a very comprehensive study of safe withdrawal rates for early retirees. I've linked to part 19 below just as it touches on the same, but it really covers every aspect.
This made me feel much better about my 50% equity allocation, as I can now pretend all along that I'm following a reverse equity glidepath instead of being hideously underweight in equities for my age!
Whenever I have had a bond investment during the 25 years since retiring I have found the average return to be poor and with current continuing low interest rates I believe this will continue or get worse.
Other than P2P where the funds came from unspent income, all my investments are in equities, mainly ETFs and Investment trusts and at 81 years old I am not planning to change this now. This has given a good increase in income over the years and I don't worry about market fluctuations. If we should find ourselves with a Corbyn government I will try to align my final exit with a market crash to save my children from the massive inheritance grab which will probably occur, hopefully this will not be anytime soon.
I'm like James, only younger. Most of my Funds outperform their natural index after fees. I have a lot of money in Trusts which do very well and some shares. I struggle with Bonds and only buy during a financial crisis when they become under valued. Certainly 90% invested. The Corbyn crash and his avowed aim to tax capital and/or capital gains is certainly a concern. I dislike CG at 28% and up. I would hate CP at 50%!