A.I.M. Users Bulletin Board

[ls7550]

In my daily life when I talk to novices I tell them to just buy LARGE, SMALL, FOREIGN, REIT, and fixed income. And to rebalance once per year

Domestic small (UK FT250), foreign large (US), home as REIT, fixed income for drawdown/income.

AIM has the tendency to accumulate cash over time so its appropriate to periodically migrate some of AIM cash into bonds/fixed income (replenish bonds that are sold/spent). Perhaps at similar times as others might apply a Vealie (both have the effect of lowering AIM cash % weighting).

Home with imputed rent at least in the UK has broadly been more profitable than stocks. Also more tax efficient than REIT's. If you sold a home and rented then you'd have to pay the gross rental yield rate. Owning and imputed rent - being imputed - is tax efficient. With 'rent' in effect all being paid in advance, enough fixed income to cover x years of basic living expenses and AIM of stocks periodically being profit taken ('cash' migrated) to top up bonds (drawdown pot) and potentially provide additional disposable income .... sorted.

Somewhat like a asymmetrical AIM of AIM. One way feed from AIM into bonds (top up bonds that are being drawn-down (income)), manually migrated at times when AIM is producing cash (selling stock relatively high, that otherwise might have meant the AIM having too heavy a weighting in AIM cash).