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Calvin, 55

Description

Funds, investment trusts, UK and overseas shares, and cash held in Sipps

Objectives

Total return of 7 per cent a year for 5-7 years to grow pension fund from which to draw 4 per cent a year. Pay off £220,000 mortgage. Leave money to children. 

<p>Funds, investment trusts, UK and overseas shares, and cash held in Sipps</p>

Calvin and his wife are age 55 and hope to retire between age 60 and 65. Their children live at home but they expect them to move out within five years. Calvin earns £62,000 a year and gets benefits including a 6 per cent contribution to a money-purchase pension scheme, currently worth £40,000. He makes an additional contribution so that in total £1,300 a month goes into it.

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