📈 How do I actually structure my SIPP ? This is a question I am often asked. Most investors build their portfolios by accumulating names they like, names they believe in. I build mine with pillars, each with a specific job in mind. 💎Pillar 1 - Growth & Income - Core holdings (#JGGI, #IGET, #MYI, #JEGI, #JAGI #JCGI- the first three don't overlap too much - this is important) This is the engine room. Four global/regional trusts doing double duty: capital growth AND a rising income stream, without me having to pick individual winners. JGGI/IGET/MYI gives me global growth exposure with a quarterly payout funded partly from capital, a structure I'm comfortable with because the total return has been consistently strong. JEGI and JAGI extend that same growth-and-income discipline into Europe and Asia, so I'm not just US/UK concentrated. This layer is the ballast: diversified, professionally managed, income-generating, and it lets me sleep at night even when markets are choppy. 💎Pillar 2 - Private credit, infrastructure & real estate This is where the reliable cash comes from. Private credit trusts (#MGCI, #TFIF, #NCYF, #GCP, #BIPS #RECI and #CVCG) capture the illiquidity premium banks used to earn, steady coupon-like income, less correlated to equity markets. Infrastructure trusts (regulated assets, long-dated contracted cash flows) #FGEN, #INPP, #HICL and #UKW add inflation-linked, defensive income. Real estate names think healthcare property, supported living, logistics-adjacent, bring rental-style income with asset backing. None of this is exciting. That's the point. It's the layer that keeps paying whether or not the market is having a good year. #PHP #SUPR #DLN #GRI #BBOX 💎Pillar 3 - Recovery & growth stocks (30-40%) Only once the income base is doing its job do I let myself add the higher-conviction, higher-volatility sleeve, undervalued recoveries and growth names with real upside optionality. This is where I take swings, but it's sized deliberately small relative to the base, because if it goes wrong it shouldn't dent the income machine underneath. Why layer it this way? Because for me, with ten year away from retiring early, income investing isn't about chasing the highest yield, it's about sequencing risk. Core income first, diversifying income second, speculative growth last, and always sized so the top layer can't sink the foundation. Of course the weighting of each of these pillars moves in line with cycles ... when market dips I tend to sell some of my safer assets in order to grab the opportunities out there. Everyone has a different investment philosophy and there is no right or wrong - enjoy the ride 🤩

Shocking, but not surprising! 🤬

⚠️ @Deliveroo needs to be shut down … its network is infested with criminals, this ain’t the first time!

We must improve, fast, as we are running out of time!

RT @Kevinosjcp1: 🌕🪙💵📈📉

🇬🇧 Delivering the next interest rate verdict in November seems sensible, given that the budget will be delivered in October. After all, who knows how it might affect our economy! Daily Mail 📰

My wife would divorce me if I asked her to cover up! Anyway, what a lovely selfie! 🤳

A case that charges your shaver!

This ain’t 2007, Jim! $AAPL

Is the Notting Hill ‘carnival’ really worth it ⁉️

Renewable Trusts

They try very hard to keep motorists off the road!!

Angola of all places!

#TBTG a debt free beauty technology firm which recently listed on the LSE is spending £20mn, roughly 5% of its market cap, on share buybacks! 📈