Managing Your Money 

Diversify away from UK equities for income growth

Reader Portfolio

Craig, 51


Sipp, Isas and trading account


4-5 per cent income with protection against inflation

Craig is 51 and has been investing for 20 years. He is single, doesn't have any debts and doesn't own property. As well as his investment portfolio, he has a teachers' pension. He was moved into a career average scheme in April, which won't pay out until normal retirement age, but 3/8ths of £37,000 from his former scheme will pay out in 2025, when he will also be entitled to a lump sum of three years' pension. He is considering moving to a country with better weather, such as Spain or Thailand, although probably wouldn't buy property in either.

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