Ajay is 42, divorced and has a three-year-old daughter. He is an NHS manager and expects to earn at least £94,000 a year for the next three years.
Reader Portfolio
Ajay
42
Description
Isa and Sipp invested in cash and funds, cash, NHS pension
Objectives
4% to 5% average annual growth to build up assets large enough to pay out £12,000 a year starting in 15 years, buy home, pay school fees
Portfolio type
Investing for goals
“I plan to work beyond the age of 57, but in case I can’t, would like savings so I can sustain a modest lifestyle," says Ajay. "I would like an income equivalent to £12,000 a year today, so would like my investments to grow by 4 per cent to 5 per cent a year for the next 20 years.