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Nigel, 66


Sipp invested in funds, cash, UK and French residential property


Total return of 5 per cent a year, take income of 3 per cent a year

<p>Sipp invested in funds, cash, UK and French residential property</p>

Nigel is 66 and widowed. He has two French stepchildren in their mid-40s, one of whom lives in London and one who lives in France, where he is considering moving. He receives the UK state pension, a small NHS pension and half his late wife's French government pension, in total about £2,000 a month.

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