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Andrew, 54


Defined-benefit pensions, funds, direct shareholdings, gold, cash, residential property


Improve tax position, beat the market, growth and capital protection, pass on assets to children

<p>Defined-benefit pensions, funds,&nbsp;direct shareholdings, gold, cash, residential property</p>

Andrew is 54, works in the public sector and last year earned £159,000. His wife also works in the public sector and earns £28,000 a year. Their home is worth about £500,000 and they have a mortgage of about £110,000 on it, which they plan to pay off before Andrew retires. They have four grown-up children who have jobs.

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