Managing Your Money 

Seeking an income to sail through retirement

Reader Portfolio

Keith, 62


Sipp and Isa


3.5% a year to supplement retirement income

Keith is 62 and has been investing for 25 years. He worked as an engineer in the UK power industry before taking a United Nations post as a technical adviser in the energy sector. After returning to the UK he started an energy consultancy firm, largely dependent on government contracts. This is now wound up so his aim is to provide a retirement income for his wife and himself. Their portfolio produces an annual yield of around 3.5 per cent and they also have around £20,000 a year in rental income coming from properties in Edinburgh. He would like to continue to earn 3.5 per cent a year in order to supplement rental income from the properties.

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