Is it preferable to make just one set of deductions a year from the ARF and then rebalance the portfolio, and are there increased charges for more frequent withdrawals?
Hi Dave
Interesting point about different funds in the ARF.
Ideally to mitigate sequence of return risk/downturns in the market, I would like to follow the bucket approach, with 2 years income set aside in a cash account within the ARF. I would like to have two other buckets containing large cap, dividend producing/value stock and income generating bonds to top up the first cash bucket. I would have another bucket containing growth stocks for the long term performance of the portfolio.
Would such a scenario be too complicated to setup and / or would the ongoing charges involved be too prohibitive?
Thanks
LT
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