- A reader and his wife want to travel while they can, but retiring early will put savings to the test
- Are their fund choices sound or does a shift to lower-risk assets make sense?
- Is buying an annuity a feasible option?
Reader Portfolio
Hugh
56
Description
£2.2mn held in funds and cash across Sipps, Isas and other accounts, £2.2mn property
Objectives
Retire in the next 12-18 months, use investments to fund travel and lifestyle
Portfolio type
Investing for income
When you're decades away from retiring, finding the right investment strategy is simple: invest for growth as you have enough time to withstand the ups and downs of the stock market. But managing money just before retiring invites all manner of complications. First, you need to decide if you have enough, and if not invest accordingly. All while making sure you don't risk being able to retire altogether.