Portfolio Clinic 

Your portfolio has little chance of making 5% per cent a year

Reader Portfolio

Peter, 67


Funds, shares, property, gold and cash some of which is held in Isas


Total return of 5 per cent a year, and preserve capital to fund possible care costs and pass assets onto family

<p>Funds, shares, property, gold and cash some of which is held in Isas</p>

Peter is age 67, and he and his wife are retired. They receive the state pension, which gives them £1,460 a month, and their occupational pensions give them a further £2,500 a month after tax. They also own a buy-to-let property worth about £360,000 on which there is no mortgage and gives them a rental income of £450 a month. Their home is worth about £400,000.

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