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I'm in my 40's and am cautiously (not a fan of volatility) accumulating as I'm working.
£280K invested and £2K/month going in.
I don't need actual income right now.
Around 50% of my money is spread across RICA and CGT and they're slowly doing their thing.
The other 50% is across Fundsmith, Smithson, and Buffettology.
I'm considering moving an 10% out of the 50% equities allocation and into "Junk Bonds" along the lines of something like 50/50 between a couple of typical funds in this sector.
Rear view mirror but 7.8% annualised over 10 years and a Trustnet FE of 35 with 9% volatility.
Doesn't look too shabby to me.
Obviously the term "Junk Bonds" doesn't sound especially inspiring and perhaps technically some of these funds are investment grade but thoughts welcome.
![Image](https://i.imgur.com/S2rYUdWl.png)