Ranbir is 80 and his wife is 73, and they both retired 20 years ago. They have three children, and three grandchildren aged six, 10 and 11 who are central to their financial planning. They own their home, which is worth about £270,000, and a buy-to-let property worth £380,000 on which there are no mortgages. Ranbir has been investing since 1967 when he put £103 into Unilever (ULVR).
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