Portfolio Clinic 

Owning a stock is not a reason to be bullish on it

Reader Portfolio

Pamela and her husband, 66 and 68

Description

Pensions, Isas, investment bonds and trading accounts invested in shares and funds, cash, residential property

Objectives

Supplement retirement income, replace cars, have funds for emergencies and possible care costs 

<p>Pensions, Isas, investment bonds and trading accounts invested in shares and funds, cash, residential property</p>

Pamela is 66 and winding down her private practice, but doesn’t have a fixed retirement date in mind. Her husband is 68 and retired. They both receive the state pension, which gives them £1,150 a month, and their combined occupational pensions give them a further £3,030 a month after tax. Pamela is also taking income from her business, on average £1,000 a month after tax. Their home is mortgage-free and worth about £1.2m.

To continue reading, subscribe today

and enjoy unlimited access to the following:

  • Tips of the Week
  • Funds coverage
  • Weekly features on big investment themes
  • Trading ideas
  • Comprehensive companies coverage
  • Economic analysis
Subscribe
Subscribe to Investors Chronicle

Subscribe today

Full access for just £3.37 a week:

• Tips and recommendations - to beat the market 
• Portfolio clinic & Mr Bearbull - build a well-planned portfolio 
• Expert tools - track and manage investments effortlessly
• Plus free delivery to your home or office

Subscribe Now