Gyroscopic Investing

Looks to me like the PP with Small Cap Value for the 25% stock holdings versus the GB ... broadly compare

Yep

If I had to choose, I would go with the SCV version over the GB.
Why?
If the bottom dropped out of the stock market, the most I could lose would be 25% vs 40%.
Harry suggested using the most volatile asset in each class if I remember correctly.

Good researching!

Hal wrote: ↑Fri Feb 04, 2022 3:20 am Yep

If I had to choose, I would go with the SCV version over the GB.
Why?
If the bottom dropped out of the stock market, the most I could lose would be 25% vs 40%.
Harry suggested using the most volatile asset in each class if I remember correctly.

Good researching!

I like you sig.

Looked up UK Vanguard Lifestrategy 40 (40/60 stock/bonds) data since 2012 and combining that 75/25 with gold and with a 4% SWR applied - at the end of 2021, ten years into retirement, that had over 90% of the inflation adjusted start date portfolio value still available. Pretty much paced higher inflation across 2021, so down from having had 95% available at the end of the 9th year.

Many count SWR as being for 30 year horizons, personally I think 25 is enough, sees a 65 year old through to age 90 at which point they're perhaps more inclined to sell up their home and use that to fund all-inclusive care/retirement home costs. On that basis having 90% left to fund a further 15 years looks on course to be a successful SWR outcome.

The simplicity of a single fund along with some physical gold is a neat way-to-go, especially for a less financially aware partner to potentially inherit.

But don't put the volatility cart before the horse.