Portfolio Clinic 

VCTs don't offer IHT benefits

Reader Portfolio

Paul and Sue, 59 and 55


Sipp, Isas, pensions, cash, VCTs, property


Help children financially, mitigate IHT, supplement retirement income

<p>Sipp, Isas, pensions, cash, VCTs, property</p>

Paul and Sue are 59 and 55 and have four grown-up children from previous marriages. Phil gave up full-time work just over a year ago and will soon start drawing his final-salary pension, which will pay £25,000 a year. His wife has also recently retired and receives a final-salary pension of £17,250 a year. She owns a house worth around £475,000 which she lets, and it gives her an income of £13,000 a year.

To continue reading, subscribe today

and enjoy unlimited access to the following:

  • Tips of the Week
  • Funds coverage
  • Weekly features on big investment themes
  • Trading ideas
  • Comprehensive companies coverage
  • Economic analysis
Subscribe to Investors Chronicle

Subscribe today

Full access for just £3.37 a week:

• Tips and recommendations - to beat the market 
• Portfolio clinic & Mr Bearbull - build a well-planned portfolio 
• Expert tools - track and manage investments effortlessly
• Plus free delivery to your home or office

Subscribe Now