Portfolio Clinic 

'I worry about crash risk to £200k lump sum'

Reader Portfolio

Gregory, 40

Description

Cash, residential property, pension

Objectives

Semi-retire at 60, build up fund to finance this and supplement eventual pension income, total return of 5% a year

<p>Cash, residential property, pension</p>

Gregory is 40 and married with a two-year-old son. He works in the public sector and gets a salary of £82,000 a year, which he doesn’t expect to go up a lot. His wife earns £90,000 a year and also doesn’t expect her earnings to go up much. Their home is worth £700,000 and has a mortgage on it worth about 50 per cent of its value. They keep their finances separate, but share costs such as housing, groceries and bills.

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