- These investors want to start a family and buy a home in the next 12 months, and to have an income of £35,000 a year when they retire in 2045
- Their investment Isa is 60 per cent in equities and 40 per cent in bonds, but this might be too cautious for a long-term investment horizon
Reader Portfolio
Jeremy and his wife
35 and 32
Description
Workplace pensions; Isa invested in funds, gold and silver; trading account invested in direct equity holdings, cryptocurrencies, cash.
Objectives
Start a family and buy a house next year, income of £35,000 a year from 2045, total return of 6-7% a year, invest cash
Portfolio type
Investing for goals
Jeremy and his wife are 35 and 32, respectively, and earn about £100,000 a year between them. “We plan to start a family and buy a house in the next 12 months,” says Jeremy. “We would also like to have enough assets to give us an income of £35,000 a year from age 60 in 2045. We have set aside funds for a house deposit worth about £45,000.