Portfolio Clinic 

Reluctance to sell results in overdiversification

Reader Portfolio

Paul, 58

Description

Isa, Sipp and trading account invested in direct shareholdings, funds, cash and residential property

Objectives

Supplement pensions income, fund later life care, leave inheritance to family. Growth and income.

<p>Isa, Sipp and trading account invested in direct shareholdings, funds, cash and&nbsp;residential property</p>

Paul is 58 and works for the NHS. He plans to retire in two years at 60 when he will receive an NHS pension starting at £20,000 a year and a lump sum of about £60,000. He also has an individual savings account (Isa) worth about £203,000 and a self-invested personal pension (Sipp) worth about £137,000, and unwrapped holdings. His home is worth £700,000, and mortgage-free.

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