Great analysis again Clean be, thanks for posting.
Your CIAV is where my head was at a couple of years ago when I first posted over on the AIM board.
It is essentially the model I am following. All World equities 50ish percent and ‘cash’ comprising of long bonds (some inflation linked) short bonds, best rate deposits and gold. 3% withdrawal rate with a bit of flexibility and the expectation of an occasional cash ‘bonus’ to splurge or reinvest.
I still think improving the cash return is key and I probably see this as the greatest risk to my future net worth until real rates turn positive again (which may or may not happen in my investing lifetime)
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