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Think carefully about swapping cash for bonds

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Peter and Madeleine, 70 and 72


Funds and shares held in Sipps and Isas, cash and residential property


Supplement retirement income, pass on money to children

<p>Funds and&nbsp;shares held in Sipps and Isas, cash&nbsp;and residential property</p>

Peter and Madeleine are 70 and 72, semi-retired, and have four children and four grandchildren. They live off Peter’s income from part-time work, pensions and annuities, which totals around £43,000 a year.

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