You will note that the web pages now include reference to the use of High Yielding stock holdings, bought on a buy and hold basis using 50% of available funds.
Whilst previously we solely utilised No Lose alone in some years that meant no income benefits at all.
As of 2002/3 I've moved to being entirely dependant upon investments as my sole source of income, having decided to drop out of the rat-race upon entered my two-score plus years.
Accordingly holding half of funds in a diverse range of long term high yielding stock holdings ensures that some income is available in each year.
Effectively we now run a blend of 50% in No-Lose and 50% in high yielding stocks. Combined we therefore we have half the downside risk of the market (often less due to the greater downside resilience that high yielders provide), the availability of substantial amounts of cash if/when market prices drop significantly through the protection that No Lose provides, whilst generally enjoying total investment benefits that compare (or are sometimes better) than that of the market average.
We personally view the High Yield holdings as an effective Bond holding, but generally with better overall longer term benefits.
The blend also offers some tax advantages for us UK based investors according to current capital gains and dividend income taxation liabilities and allowances.
