Investing for backsliders? - Aussie Stock Forums

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    Default Investing for backsliders?

    G'Day again,

    Not actively investing means I get ants in my pants every so often. At the moment, as explained before, I have my money on deposit with various Aussie banks. Previous respondents (thank you kindly) have before given me what I take to be good advice: I don't NEED to invest in shares.

    None-the-less, I think it prudent to re-test that conclusion every once in a while to see if I should change tack.

    Here's my current hypothetical investment alternatives:

    1. Bank deposits yielding 6.6% per year (effective).

    2. 10% Bank deposits yielding 6.6%, 45% term deposit yielding 7.0%, 45% shares yielding dividends 4.7% + credits 1.6% + growth 5% (total return 11.2%. Portfolio is re-balanced each year in said percentages.

    Below is a graph of the projected outcome for a retired person / couple (therefore paying no tax) with $5,000,000 invested in a pension/s withdrawing the mandatory minimum each year.

    Notice that it does not make very much difference to the amount withdrawn for mant years. I take this to indicate that I cn continue to backslide on investing for several years, perhaps waiting for an obvious opportunity?
    Attached Images

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