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Derek, 47


Pensions, Isa, trading account and cash


Total return of 5 per cent a year

<p>Pensions, Isa, trading account and cash</p>

Derek is 47 and works in finance at a local university. He has worked there for more than 10 years and pays into a final-salary pension scheme, as well as the maximum possible into an additional voluntary contribution (AVC). He also paid into a final-salary pension at his previous employer where he worked for 10 years. He does not have any dependents, and the second of his parents died in March 2015.

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