Portfolio Clinic 

Reconsider ditching your final-salary pension

Reader Portfolio

Jeremy and his wife, 64 and 62


Isas and Sipps invested in funds, cash, residential property


Annual income of £40,000 a year, money for extra purchases, new or second home, fund possible care costs in later life

<p>Isas and Sipps invested in funds, cash, residential property</p>

Jeremy and his wife are ages 64 and 62, and have two financially independent children. Jeremy ran his own business for the past 15 years but in more recent years it produced little income so in November he closed it. As a result, over the past few years he and his wife have been drawing income from their individual savings accounts (Isas), as well as receiving dividends from the business. Their home is worth £440,000 and mortgage-free.

To continue reading, subscribe today

and enjoy unlimited access to the following:

  • Tips of the Week
  • Funds coverage
  • Weekly features on big investment themes
  • Trading ideas
  • Comprehensive companies coverage
  • Economic analysis
Subscribe to Investors Chronicle

Subscribe today

Full access for just £3.37 a week:

• Tips and recommendations - to beat the market 
• Portfolio clinic & Mr Bearbull - build a well-planned portfolio 
• Expert tools - track and manage investments effortlessly
• Plus free delivery to your home or office

Subscribe Now