This investor's very long term investment horizon means he needs to monitor and manage changes in equity markets
He should consider adding more exposure to overseas equities
Pensions, Isa and trading account invested in direct equity holdings and funds, workplace SAYE scheme, cash, residential property.
Minimise income tax, retire in early 60s or sooner on £28,000 per year, pay off mortgage in next 25 years, invest more of cash holdings.
Adam is age 31 and earns £48,000 per year. He and his partner own a home worth about £340,000 with a mortgage of £270,000. He also owes student debt of £23,000.