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Be careful investing in higher-yielding shares

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Ramesh and his wife, 61

Description

Sipp invested in funds, Isas invested in funds and shares, employers shares, cash, residential property

Objectives

Supplement retirement income with £25,000 a year, £150,000 to help children buy homes

<p>Sipp invested in funds, Isas invested in funds and shares, employers shares, cash, residential property</p>

Ramesh is age 61 and has recently retired, but is not yet drawing his pension. He is using cash from savings to cover utilities and regular bills, and his wife’s salary of £12,000 a year from a part-time job covers the rest. Their adult children are financially independent, and their home is worth £750,000 and mortgage-free.

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