2024 White Paper: Retire Well

The data: A comparative analysis of alternative income drawdown strategies 1986-2023

  • We collate and tabulate the data from the main retail investors’ drawdown strategies over 37 years, comparing low cost index tracking, 60/40 equity/bond portfolios and natural income strategies.

  • The two biggest risks for an individual depending on drawdown income are sequence and longevity - we examine how these are removed by investing for natural income via assets with a cash buffer.

  • Investment trusts: for 38 years from 1986, the research analysed more than 1,239 balance sheets, reserve statements and cashflows, finding the (dividend) payment was the same or higher than the prior year in 95.9% of cases.

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INVESTING TECH, INVESTING SHORTSClaire Witz