Build a gilt ladder

A set of gilts whose redemptions land one per year, sized to your target

Lump sum required

£48,646

Invest this today to draw £10,000 of inflation-adjusted income a year for 5 years.

Gilts in the ladder

Ladder length

5 years

Inflation assumed

3.0%

Tax rate

Allocation

Gilt	Dirty price	Allocation	Amount	Quantity
T30	£99.361	22.17%	£10,786.34	10,855.75
T29K	£99.810	20.84%	£10,139.91	10,159.26
TS28	£101.190	19.64%	£9,556.02	9,443.67
TR27	£100.940	18.03%	£8,769.78	8,688.09
T26A	£99.676	19.31%	£9,394.08	9,424.59
Total	–	100.00%	£48,646.12	–

Deflated at the 3.0% inflation assumption, so every bar is what that year's payment is worth today.