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Ruby Shah, 28


Isa and Sipp


Pay down some of mortgage, help family financially, 4% a year income

<p>Isa and Sipp</p>

Ruby is 28, single and owns her flat in London, which is valued at £380,000. Her parents helped finance the deposit for the flat but she still has a £225,000 mortgage on it. Ruby has been investing for more than three years but only now feels that she could start saving for a pension.

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