Portfolio Clinic 

Think carefully before you buy to let

Reader Portfolio

Dalvir Hayer, 45


Funds, shares and cash


Purchase buy-to-let property, make investment return of 5 per cent a year

<p>Funds, shares and cash</p>

Dalvir Hayer is 45 and has been investing on and off in shares for over 20 years, and in funds for around a year. He's also recently started a portfolio of funds for his wife and is putting money aside for his daughter. He funds his contributions to his investments from his salary and hopes soon to get an additional income from a buy-to-let property.

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