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wildwest
French_Touch
aggi
What would people do with £20k if you are going to need to start drawing down on it in 2yrs time at the rate of ~£1k p/m?
Life Strategy 60% S&S / 40% Bonds for 18m, then start closely tracking it and taking out £4k chunks a bit before you need it? Or 100% S&S for 6-12m then start moving it into bonds? Or almost all in bonds?
Capital preservation is probably the most important thing. But at the same time when my kids Vanguard Life Strategy 100% S&S ISA is now at ~14% over a 2yr period which saw it at -20% it seems silly to leave it in a bank.
We have two lots of the full £20k allowance.