Portfolio Clinic 

Watching the defensives

Reader Portfolio

David and Katherine, 53

Description

Sipp and Isas invested in investment trusts and shares

Objectives

Grow portfolio by 5 per cent a year to provide retirement income and inheritance

<p>Sipp and Isas invested in&nbsp;investment trusts and shares</p>

David and Katherine are both 53 and own their home, which is worth £1m with no outstanding mortgage. David is a higher-rate taxpayer and Katherine works part-time. They invest around £600 a month into individual savings accounts (Isas) and self-invested personal pensions (Sipps). Their two adult children live with them and are in work. The couple would like to retire in seven years and help their children get on to the housing ladder.

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