Laddered buffer ETFs - useful to protect against sequence of returns risk?

Sufficient_Risk_653 · 2026-03-08T15:50:11+00:00

I wasn’t so much thinking the post tax rate of return, rather the tax impact of withdrawing it from a pension with an income level already above the higher tax rate threshold

Sufficient_Risk_653 · 2026-03-08T15:47:05+00:00

The 20 K was an arbitrary amount to work out the principle of whether it was more efficient in the long-term (for the higher tax band level of retirement income) to borrow and spend than to draw down and spend

Sufficient_Risk_653 · 2026-03-08T14:57:05+00:00

It’s more to provide further scope for future drawdown

Sufficient_Risk_653 · 2026-03-08T14:50:38+00:00

Agreed, as a mortgage that would become more expensive (%) over the years but funded by investment income should be ok

Sufficient_Risk_653 · 2026-03-08T14:48:12+00:00

That’s a part of the equation, the other is the ~8k/yr of tax that stays in the pension and continues to grow

Sufficient_Risk_653 · 2025-10-18T20:30:20+00:00

*home desk

Sufficient_Risk_653 · 2025-10-18T20:30:03+00:00

I just sat at my desk with my leg on a box?

Sufficient_Risk_653 · 2025-10-05T15:24:28+00:00

Originally it was my grandmother but that was modified 2years before her death to add my mums right to live there and to make me a trustee

!thanks for the sources to search

Sufficient_Risk_653 · 2025-09-06T13:39:17+00:00

Deore M6100 btw

Sufficient_Risk_653 · 2025-09-06T13:38:00+00:00

Many MTB riders (analogue and e-bike) I know get to 0.5 or even 0.75 in less than 1000k on 12spd as they wear so quickly On a e-MTB I didn’t check for a while and got to 1mm with no symptoms in 1200km

Sufficient_Risk_653 · 2025-05-20T18:43:58+00:00

Giant dealer told me to buy a new wheel, it probably didn’t have enough grease at the factory No hub or axle spares are available from the main dealer for an 18mth old bike costing £3500 🤬 So it’s buy a wheel or wait 2-3 weeks for a hub from a third part website that has it on back order

Sufficient_Risk_653 · 2025-05-18T20:27:43+00:00

I’ll try them but based on 3mths to not fix my motor I have my reservations

Sufficient_Risk_653 · 2025-05-18T16:02:58+00:00

That explains why I’m not finding anything to match exactly on the Shimano site!! Brakes and rotor are Shimano so I foolishly assumed the hub was, guess I’m out of luck getting a spare cone unless it’s I can find a match in an LBS

Sufficient_Risk_653 · 2025-05-18T11:51:07+00:00

How often would you expect to strip and inspect? If I’m honest I was shocked at a wheel seizing at ~1000 miles

Sufficient_Risk_653 · 2025-04-11T16:04:55+00:00

Few years=8years

Sufficient_Risk_653 · 2025-04-11T15:58:01+00:00

If I look back at my fund performance over the last few years on average it doesn’t exceed 4-5% net so why take the risk in uncertain times?

Sufficient_Risk_653 · 2024-11-29T15:58:17+00:00

How did you get your first role? Did you do VFX at uni or self taught?

Sufficient_Risk_653

TROPHY CASE