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Richard, 43


Pensions, Isa and trading account invested in shares and funds, cash


Retire at 60 on £50,000 a year, save up a deposit to buy a home, support two children 

<p>Pensions,&nbsp;Isa and trading account invested in shares and funds, cash</p>

Richard is 43, divorced and earns £75,000 a year as an airline pilot. His salary should increase every year, so at age 50 he will earn around £95,000 a year and at 60 £120,000. His workplace pension currently has a value of about £45,000, and for every 6 per cent he pays in, his employer contributes almost 16 per cent. Richard has recently sold his house and is renting because he has relocated due to a job change. 

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