Portfolio Clinic 

Is now the time to add emerging market funds?

Reader Portfolio

Sarah, 49


Trading accounts, Isa invested in funds and shares, pensions, property, cash


Net income of £25,000 per year from age 55

<p>Trading accounts,&nbsp;Isa invested in funds and shares, pensions, property, cash</p>

Sarah is 49 and works for a public sector institution. She is looking after her elderly parents and has two grown-up children who she has helped with deposits to buy homes. Her home is worth about £170,000 and has no mortgage on it, and she has a buy-to-let property worth £290,000 on which there is no mortgage and generates an income of £12,000 a year after expenses.

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