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Three index linked gilts vs rolling one
Jon Jon
Posted: 07 January 2025 20:56:16(UTC)
#1

Joined: 30/11/2024(UTC)
Posts: 1

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?
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