Portfolio clinic: build up cash and cut your holdings

This week’s portfolio clinic features a reader who hopes to retire early so is invested for high growth.

Our experts explain why despite his desire to increase his assets he needs to have a decent allocation to cash and why his wife shouldn’t forget to use her tax allowances.

Would you like to see your own investments assessed in the Investors Chronicle portfolio clinic? If so email portfolio.clinic@ft.com or leonora.walters@ft.com.