The Lemon Fool

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

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?

Gilgongo wrote: BTW in an earlier post you said that someone with £500K and wanting £20K income would be OK buying a Linker.

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.
https://retirementresearcher.com/how-do ... nt-income/

JohnW wrote:

Gilgongo wrote: BTW in an earlier post you said that someone with £500K and wanting £20K income would be OK buying a Linker.

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.
https://retirementresearcher.com/how-do ... nt-income/

Thanks John. Yes that's it.

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.