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Do we have the right allocation for withdrawals of £50,000 a year?

These investors want the option of drawing up to £50,000 per year from their investments
Do we have the right allocation for withdrawals of £50,000 a year?
  • These investors want the option of being able to draw up to £50,000 per year from their investments
  • They have a high weighting to cash, which offers very poor returns, but should potentially lose less than bonds or gold 
  • Shifting their portfolio in the hope of avoiding losses or netting gains could detract from its long-term performance
Reader Portfolio
Catherine and her husband 62 and 63
Description

Pensions invested in funds, cash, residential property.

Objectives

Option of taking up to £50,000 a year from investments, simplify investments by reducing number of holdings.

Portfolio type
Portfolio simplification

Catherine and her husband are ages 62 and 63, and her husband earns about £92,000 per year. Their children are financially independent, and their home is worth about £980,000 and mortgage free.

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