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Portfolio Returns

Scheduled Pinned Locked Moved Investments and Portfolios
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  • M Offline
    M Offline
    mikeiow
    wrote on last edited by
    #11

    Thanks Adam,
    I should probably call (maybe Nik🤷‍♂️), but happy to document here for others: I am wondering broadly how one could use IML when one is already past a retirement date?

    Speaking as someone happy to take a relatively aggressive path (which I assume would be Income) for an extended period 👍

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    • A Offline
      A Offline
      Adam Kay
      Global Moderator
      wrote on last edited by
      #12

      Hi Mike,

      As the Income strategy stops at portfolio 3-the equivalent of an Income phase, it wouldn't matter if you are beyond retirement(Statutory) date. If you have further questions let myself/Nik know.

      Regards

      Adam

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      • M mikeiow

        Thanks Adam,
        I should probably call (maybe Nik🤷‍♂️), but happy to document here for others: I am wondering broadly how one could use IML when one is already past a retirement date?

        Speaking as someone happy to take a relatively aggressive path (which I assume would be Income) for an extended period 👍

        N Offline
        N Offline
        Nik Burrows
        Global Moderator
        wrote on last edited by
        #13

        @mikeiow

        Hi Mike

        It may be worth settling a call up and we can chat it through. As Adam has said the glide path for the portfolios is driven by time to vesting date, be that income or full withdrawal so you can manipulate the equity exposure by varying the investment time line.
        In simple terms 10 years to vesting will take a more aggressive approach than 5 years etc.

        Drop me a message and we can set a call up.

        Cheers

        Nik

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        • M Offline
          M Offline
          mikeiow
          wrote on last edited by
          #14

          Thx Nik, I’ll get in touch later this week 👍

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          • C Offline
            C Offline
            Car Bon
            wrote on last edited by
            #15

            I'm also a little confused about this. Maybe similar to Mike, retired early so it's not just about vesting date, but also the length of time for taking an income. I view it as needing some short, some medium and some longer term. I have an attitude that I can stomach more volatility with the longer term money. That would be very different from someone retiring late with a shorter life expectancy or someone expecting to buy an annuity on retirement.

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            • A Offline
              A Offline
              Adam Kay
              Global Moderator
              wrote on last edited by
              #16

              Hi Car Bon, it is possible to self select the portfolio to meet your needs. What I have described is the default position for pensions. ISA allows one to select the target date. If anyone wanted to do so with a pension wrapper please get in touch.

              Regards

              Adam

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              • D Offline
                D Offline
                Ducati996R
                wrote on last edited by
                #17

                Guys …just a quick note to appreciate all the work that goes into these investments…my pension just went over a nice milestone this morning …
                Rachel Reeves will be thrilled if I don’t get to spend it all myself 😉

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                • A Offline
                  A Offline
                  Adam Kay
                  Global Moderator
                  wrote on last edited by
                  #18

                  Hi C,
                  I see what you mean 🙂

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                  • R Offline
                    R Offline
                    Ronski
                    wrote on last edited by Ronski
                    #19

                    PHT passed a milestone for me, my effective price is up 105% since April 2022, so it's just over double in just under 3 years, very nice, thank you.

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                    • A Offline
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                      Adam Kay
                      Global Moderator
                      wrote on last edited by
                      #20

                      Great to hear Ron. That portfolio has been very productive. I’m very proud of it and very pleased for anyone who put their hard earned money into it.

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                      The value of your investments can go down as well as up, and you may get back less than you invested.

                      Cobens a trading name of Astute Financial Management UK Limited is authorised and regulated by the Financial Conduct Authority. Registered Address: 4th Floor Peek House, 20 Eastcheap, London, EC3M 1EB. Registered in England and Wales No. 5850981.

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