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Andrew, 66


Sipps, Isas, cash, and unwrapped shares and investment trusts


4% income a year, plus growth to help fund retirement and pass on money to children

<p>Sipps, Isas, cash,&nbsp;and unwrapped shares and investment trusts</p>

Andrew is 66 and he and his wife are retired. They both receive the state pension and have self-invested personal pensions (Sipps), and his wife has a small NHS pension. Their home is worth about £425,000 and is mortgage-free. Andrew has recently liquidated £100,000 of his investments to help his daughter and her family move to a bigger house.

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