daveneedstoknow
Dryer sheet wannabe
- Joined
- Nov 26, 2014
- Messages
- 12
Hi,
I am looking to FIRE around March next year. My current holdings split is roughly;
46% Equity (UK Allshare tracker)
46% Property (I have a single rental property with no mortgage)
8% Bonds (Mixture of government and company bonds In a managed fund charges 0.4%)
I am wondering if I should shift the balance between equities and bonds in favour of more bonds but that feels like too much shift away from potentially high growth assets when I have such a large stake already in a stable / steady income investment in the property (UK rentals are very favourable right now and my property is located in an area with both good rental and value growth potential as its about to be on the commute line to central London when a new rail station opens).
Just wondering what other people would do with this balance of equities and if you were to do a major restructuring would you do it all in one go or follow the pound cost averaging model of migration over time?
I am looking to FIRE around March next year. My current holdings split is roughly;
46% Equity (UK Allshare tracker)
46% Property (I have a single rental property with no mortgage)
8% Bonds (Mixture of government and company bonds In a managed fund charges 0.4%)
I am wondering if I should shift the balance between equities and bonds in favour of more bonds but that feels like too much shift away from potentially high growth assets when I have such a large stake already in a stable / steady income investment in the property (UK rentals are very favourable right now and my property is located in an area with both good rental and value growth potential as its about to be on the commute line to central London when a new rail station opens).
Just wondering what other people would do with this balance of equities and if you were to do a major restructuring would you do it all in one go or follow the pound cost averaging model of migration over time?