Abu-Keiser is 53 and earns £3,500 month after tax. He has paid off the mortgage on his home, which is worth about £230,000. He and his girlfriend plan to have children, and use the assets in his investment portfolio to buy a larger home and pay for their future children’s education.
Sipp, Isa and trading account invested in funds and shares, cash, residential property
Total return of 10 per cent for next 12 years, then income of 5 per cent a year. Fund purchase of larger home and children's education fees
"I intend to semi-retire at age 60, working one day a week until I am 65,” says Abu-Keiser. “I have a defined-contribution workplace pension worth around £300,000, a self-invested personal pension (Sipp) worth about £252,322 and an individual savings account (Isa) worth £213,009. The rest of my assets are in a trading account.