u/an6693

I am now thinking instead of my original plan of 100% equities which is high risk. I maybe better to have a diverse portfolio with more than 2 index tracker (using defensive funds) but I then realised that there may not be enough growth due to the sum of investment on that low side.

My questions is will a '3 buckets strategy' be better?

1-3 years of spending in your CASH bucket. (I have 5 years cash)

3- 7 years CONSERVATIVE bucket holds investments that are more aggressive than cash, but still fairly conservative. (I hold a 100% All world index tracker)

7- 13 years growth and income (not decided yet)

13 - 19 year growth (not decide yet)

19 - onwards gradually rebalance more bonds heavy (gilts)

Your thoughts welcome