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Terms like low and medium risk are pretty subjective, but it is often about the portfolio mix as much as the specific investments, so you could have some tracker exposure, but not the lot - which makes sense as there is definitely a non-zero risk of a 2009-style stock market crash in the next four years.
A low risk portfolio might have 25% equities, a medium risk one 50%, etc. With the rest being bonds, cash, maybe a bit of property, etc.
4% after tax might be about 6% pre-tax, assuming a bit of sheltering, and back to 4% after inflation. Add a bit for a wealth manager:
The Financial Conduct Authority (FCA) says advisers charge an average
of 2.4% of the amount invested for initial advice and 0.8% a year for
ongoing advice (1.9% p.a with underlying product and portfolio charges
factored in).Probably gets you back to needing 6% in real terms / 8% after inflation. A portfolio made up of mainly bonds is not going to get that so it would have to be 'medium' rather than 'low'-risk to stand a chance.
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frank9755
Which tracker would you suggest for “low-to-medium” risk? For a 4 year time frame I don’t think any equities qualify.