Andrew Morris: Drawing up a drawdown plan

When it comes to investing in funds at drawdown, investors often lean towards low risk. This is because low-risk funds typically carry lower volatility, which leads to lower fluctuations of returns. They can also help manage sequencing risks and lead to a more stable monthly income. This might seem like a sound retirement plan, but it is not necessarily sustainable. That is because lower risk often leads to lower returns and this is especially true if the drawdown pot is on the smaller side. To offset this concern, one might reconsider and go for higher-risk asset classes. This would ...