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Determine the level of retirement income you require

Reader Portfolio

Clive and his wife, 65 and 63


Funds, some of which are in an Isa, cash, residential property


Portfolio large enough to finance comfortable retirement from April 2019, holidays and possible care costs

<p>Funds, some of which are in an Isa, cash, residential property</p>

Clive is 65, and lives in the United Arab Emirates where he is in full-time employment and tax resident. He and his wife, who is 63, have lived abroad since 1982, but want to retire in the UK. Clive has little formal pension provision: he receives a workplace pension of £1,500 a year, although this is index-linked. And Clive and his wife's National Insurance contributions should entitle him to a UK state pension of about £7,000 a year and her to one of about £8,000 a year.

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