I’m looking to buy some index linked gilts to mature and be spent in early retirement.
Is there any noticeable value / total return difference between buying three spread one year apart and holding to maturity (when I will spend the proceeds) vs putting all the money into the earliest maturing one, then when it matures putting 2/3rds of the proceeds into the next, and then rolling the remaining 1/3 when that retires?
The bonds will be held in my SIPP so no tax differences on coupon vs principle.
Reason I’m thinking of going down the single route is I can then vary the amount spent vs reinvested.
Anything else I should think about?