Sadie is 35 and leaving her job in marketing to move into a new line of work which is likely to mean a sizeable reduction in her income. However, she is unmarried with no children or debt, and expects her income will still cover all of her expenses and produce modest savings.
Reader Portfolio
Sadie
35
Description
Isa, US trading account, pensions, Bitcoin, cash
Objectives
Grow portfolio by 7 per cent a year to provide retirement income of £55,000 a year
Portfolio type
Investing for growth
"I have dual US/British citizenship and am entitled to state pensions from both countries," says Sadie. "However, I do not expect either of these to generate much in 30 years' time, and because the income from my new low-paid job is uncertain I am leaving it out of my calculations.