By Chris Dillow , 17 December 2012
Our 48-year-old reader who wishes to remain anonymous has been investing for 20 years and has accumulated a substantial self-invested personal pension (Sipp) and individual savings account (Isa) holdings.
He wants to retire between 60 and 65 on £50,000 a year (including state pensions) and perhaps help his children to buy a house later on if there is some spare capital.
With a medium attitude to risk, he pays management costs only where necessary - to the point now of starting to hold blue-chip shares direct to save fund costs.
"I guess it's a nice dilemma to have - a retirement portfolio that looks on track (constructed with considerable Investors Chronicle help over many years), but the future is uncertain (work, health, inflation, stock markets...) so is it optimal?" he asks.