Rational Income Investing: Calculation of the outcomes of alternative income strategies for drawdown pensions, ISAs and trusts: 2023 edition

This White Paper calculates the different outcomes of investing for income via FTSE & MSCI World trackers, traditional 60/40 portfolios and investment trust dividends, from 1986 to 2022. It applies four amounts of income against each strategy, and applies inflation to income drawn so investors can see the reality of the £-numbers separated from the mist of theory created by institutional research being mis-applied to personal portfolios. It further compares annuities over that time, and the resulting capital values for all investment strategies, and all income choices.

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Billy No-Mates

Billy No-Mates is the poignant title of Max Dickins new book in which he explores the problems men can have with maintaining friendships. Women it seems, are much better at it. When Max proposed to his girlfriend, he realised…

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Time shifting

I won’t be seeing any of my four offspring on Father’s Day, and I don’t mind a bit. I have a similar attitude to birthdays. I won’t see any of them on Christmas Day either. Of course, I love spending time with my kids but…

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A 100% record

Gas and water bills, council tax and house insurance – some expenses are utterly predictable and though not guaranteed to be charged to us, the rational expectation is that they will be. Technically speaking every company in the FTSE 100 could pay no dividends this year, however the rational expectation is that they will: ‘rational’ because…

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Taste Buds

Rod Liddle’s Sunday Times article headlined, “We slurped up loads more sugar and salt in the Seventies. So why are we fatter now?” He went on to bemoan Tony Blair’s government for bullying food manufacturers into reducing sugar and salt and in the process ruining the flavour of teatime favourites like Heinz Cream of Tomato Soup and Spaghetti Hoops, to the point where “nobody eats that stuff anymore.” Maybe he’s right?

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Ninety-Nine Problems

As the sun begins to make a more frequent appearance and the temperature rises, ice cream sales are also on the up. News so important that it featured in Radio 4’s bulletins, that Cadbury flakes, now made in Egypt, are too crumbly! Then there’s the matter of Percy Pig ice cream and Golden Gaytime…

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Superfans

I have known my colleague and friend for about twenty years. He trained as an accountant, has a neat haircut, smart appearance, and lives in the home counties. Having spent a great deal of time in his company I thought I knew him pretty well, but it seems he was hiding a dark secret.

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