The Swiss based research company EValueServe (https://www.evalueserve.com/company-overview/) conducted their own similar research in 2016, however they broke down the sustainable withdrawal rate according to the risk being adopted by the investor. They found more generously than Morningstar, that a speculative investor at the top end of the risk scale, adopting an allocation of 10% UK equities, 65% international equities, 15% specialist equity (commodities, hedge funds), 10% property, would sustain a withdrawal rate of 3.36% pa over 30 years, however, most interestingly, a cautious investor adopting an asset allocation of 45% government bonds, 15% corporate bonds, 35% UK equities and 5% international equities, would be able to sustain a withdrawal of 3.80% pa. No other risk profile matches or exceeds that of the cautious risk investor in EValue’s research.

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