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Ebrahim, 65

Description

Isas and Sipps invested in funds, cash and residential property

Objectives

£38,000 a year from investments increasing with or above inflation from March 2021, preserve capital value of investments, pass on assets to family with as little IHT as possible

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

Ebrahim is a self-employed consultant aged 65. He earns around £40,000 a year from basic salary and dividends, and makes an annual pension contribution of around £30,000. He will start to receive the full state pension from this month. His wife is already retired and receives a former employer pension of £12,500, state pension of £8,400 and rental income after expenses of £5,300 a year from a buy-to-let property valued at £135,000. They jointly own their primary home, which is worth £700,000, and neither of the properties has a mortgage on them.

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