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Should we move retirement portfolio to safer assets?

Tom and his wife rely on their £979k retirement portfolio, which is heavily exposed to equities. Three experts explain how to improve their asset allocation and holdings.

Tom is 59 and has a small index-linked pension that kicks in at the end of this year. He and his wife own their property outright, but neither of them have jobs that generate any meaningful income as they are now occupied with charity work or hobbies.

They have a portfolio worth £979,916 held in self-invested personal pensions (Sipps) and individual savings accounts (Isas).

Tom says: "We are happy to be retired and frugal, obtaining a minimum £30,000 and ideal £40,000 annual income from these investments if we can sustain that."

Reader Portfolio
Tom 59
Description

Sipp and Isa

Objectives

£30,000 income per year

TOM'S PORTFOLIO

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