Portfolio Clinic 

Build up cash and cut your number of holdings

Reader Portfolio

Richard, 44


Isas invested in funds, cash, residential property


Build up portfolio to pay out £50,000 a year starting in 16 years, pay off mortgage, save for children, consolidate portfolio

<p>Isas invested in funds, cash, residential property</p>

Richard is 44 and married with three children under 10 years old. He has a salary of £174,000 a year, on top of which he gets a bonus, but his wife doesn’t work or have any pension schemes. Their home is worth around £800,000 and they have a mortgage on it of about £320,000.

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