Over here at the industrious Zombie Towers we have been running an investigation. An investigation into the toilet habits of skiving office workers. What’s that? A different investigation? Ok, fine…
Over two years ago we set up an example portfolio, with annual withdrawals set at 4% of the starting value and increasing by inflation each yeah and we’ve let it run.
The last update was in October, and things were sure looking rosy back then. The portfolio started at £625k back in November 2014 and it punched it’s way through the £700k mark in October 2016. Not bad, given it had nearly £50k sucked out of it, in the form of withdrawals.
Rebalance that Portfolio
It’s been a little bumpy since then, with a dip in the funds value in November. But the general trend has been up.
At the end of the year I rebalanced the experimental portfolio to it’s intended asset split. That’s 75% equity / 25% bonds & cash.
The equity is split further into;
- 30% Vanguard LifeStrategy 100% Equity
- 20% Vanguard S&P500 ETF
- 15% Vanguard FTSE 100 ETF
- 10% Vanguard Developed Europe ETF
The split is arbitrary really, it would have been easier to chcuk in all in an All-World tracker fund. But there you go.