I see. BTW in an earlier post you said that someone with £500K and wanting £20K income would be OK buying a Linker. I didn't understand the rest of your post though because I couldn't see how an investment vehicle that's pinned to inflation could ever do that. Can you elaborate?1nvest wrote:With a liability matched ladder the idea is that you have a bond that matures each year to the inflation adjusted value of your anticipated spending in that year, so there's no rebalancing
Minimising sequence risk in a mixed portfolio
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- Lemon Slice
- Posts: 288
- Joined: November 5th, 2016, 6:51 pm
Re: Minimising sequence risk in a mixed portfolio
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- Lemon Slice
- Posts: 380
- Joined: June 1st, 2019, 7:00 am
Re: Minimising sequence risk in a mixed portfolio
I doubt you can do it with 'a Linker'. I think you'd need a bunch of them, and ideally with many different maturity dates. It's described in detail here.Gilgongo wrote: BTW in an earlier post you said that someone with £500K and wanting £20K income would be OK buying a Linker.
https://retirementresearcher.com/how-do ... nt-income/
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- Lemon Quarter
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Re: Minimising sequence risk in a mixed portfolio
Thanks John. Yes that's it.JohnW wrote:I doubt you can do it with 'a Linker'. I think you'd need a bunch of them, and ideally with many different maturity dates. It's described in detail here.Gilgongo wrote: BTW in an earlier post you said that someone with £500K and wanting £20K income would be OK buying a Linker.
https://retirementresearcher.com/how-do ... nt-income/
Conceptually should provide much the same as a annuity, but where in DIY'ing it yourself, your heirs get to keep any remainder proceeds rather than seeing it lost to the annuity provider.