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Justin Onuekwusi

Head of Retail Multi-Asset Funds


Also known as Nukki, the avid Manchester United fan, who during his fund marketing tours regularly sports a tie matching the red colour of his beloved Red Devils’ strip, moved to Legal & General in 2013 from Aviva Investors, where he was part of the multi-asset team responsible for £70bn of investors’ money. The Warwick University Economics graduate began working in the City in 2003, starting out as a senior investment analyst at Aon Consulting before moving to Merrill Lynch in 2007 as a manager research analyst, where he helped to build model portfolios for discretionary fund managers. When he isn’t squinting at his fund spreadsheets, he is a legendary binge-watcher of Netflix and nominated chauffeur driver for his daughters. Whilst injury prematurely ended his illustrious football career, he now engages in the active pursuits of tennis and beer-tasting.

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Is it time to retire the 4% rule?

Short-cuts have their place. If you can avoid complexity and effort, it makes absolute sense to do so. It gives you time to work on other projects, or in my case re-watch The Treble (1999), reliving the good ol’ days. However, when it comes to retirement income, short cuts may be counter-productive and nowhere is this more apparent than with the 4% rule.

August 07, 2018 2 mins