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Are my allocations right for my time horizon?

Our experts help this reader to determine the right mix of assets, styles and sectors
Are my allocations right for my time horizon?

-This reader wants to grow his assets to fund future education costs and retirement income

-It is important that he holds his investments tax-efficiently

-He should reduce his massive number of holdings

-He should ensure he has an appropriate overall asset allocation

Reader Portfolio
Oliver and his partner 37

General investment accounts and Isa invested in funds and shares, pensions, cash, residential property


5%+ annual return over long term, fund children's education/family costs, retire or reduce working hours at age 60, build up retirement income.

Portfolio type
Investing for growth

Oliver is age 37 and earns £70,000 a year. His partner also works, but does not have any investments. Their home is worth about £700,000 and has a mortgage of £250,000.

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