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Go back to basics – and use the seven-year rule

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Ralph and his wife, 61 and 60


Shares and funds held in Sipps and Isas, VCTs, cash, residential property


5% annual real return over 20 years plus to help grandchildren with education and property purchases, pass on assets tax efficiently

<p>Shares and funds held in Sipps and Isas, VCTs, cash, residential property</p>

Ralph and his wife are 61 and 60, and receive defined benefit pensions of £80,000 and £26,000 a year before tax, respectively. His wife still works part-time for an income of £8,000 a year before tax and has a self-invested personal (Sipp) worth £45,000, into which they may make further contributions. She will be eligible for a small Swiss State Pension of £2,500 a year from age 64, and they both should be eligible for the full UK State Pension from age 66.

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