Is someone able to advise a bit on this please?
I have a SIPP to invest 60/40 equity bonds no real need for income. Won't be drawn down for quite a while. I'm 52. I can do the equity bit with a world tracker. I get stuck on bonds as everything looks pretty unattractive but I need a 'safe' corner. I had been thinking maybe 40%/40%/10%/10% - ILG, conventional gilts, corporate, EM bonds but with no great conviction that's it's right or wrong and all through index funds. EM bonds not 'safe' not safe I know.
Anyone have any strong views on this allocation?
Anyone have any strong views on this allocation v holding a goodly portion of cash and waiting for maybe real returns to comeback to ILG's and conventional gilts? Security aside, what is the point of locking into a real loss currently if there is no matching liability?
Any strong views on direct (for ILG's, gilts and CB's) v funds?
Thank you very much to anyone able to take this on!