Portfolio Clinic 

You need to consolidate

Reader Portfolio

Ebrahim, 65


Isas and Sipps invested in funds, cash and residential property


£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.

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