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Edward, 60

Description

Pension, Isa and trading account invested in funds and direct share holdings, residential property, cash.

Objectives

Draw £20,000 a year from investments in retirement, take occasional lump sums, preserve investments' capital value, pay off mortgage, downsize home, double value of investments, switch pension to more flexible account.

<p>Pension, Isa and trading account invested in funds and direct share holdings, residential property, cash.</p>

Edward is age 60, self-employed and earns about £15,000 a year. His home is worth about £1m and has no mortgage. He also owns a flat worth about £650,000 with a mortgage of £200,000, which he lets and makes £24,000 a year in rental income.   

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