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Dave, 56


Sipp, cash and property


10 per cent total return a year to build up £900,000 pension fund in eight years and help children 

<p>Sipp, cash and property</p>

Dave is 56 and earns around £72,000 a year net of tax, and expects his earnings to keep pace with inflation until he is 65. He owns 50 percent of a business that makes pension contributions of £24,000 a year and his wife has a small local authority average salary scheme pension. Their home, which is worth around £825,000 has a mortgage of £400,000 on it, and his wife owns another property worth around £200,000.

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