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Should I increase my fixed-interest weighting?

A reader has concerns about areas of under and over exposure in his portfolio
Should I increase my fixed-interest weighting?

Charles is 56 and earns £75,000 a year. His home is worth about £600,000 and has a mortgage of about £60,000, which he hopes to pay off by the time he retires.

Reader Portfolio
Charles 56

Sipp and Isa invested in funds, cash, residential property.


Retire at age 60, income of £40,000 a year in retirement, limit tax liability, diversify and reduce risk of investments

Portfolio type
Managing tax

"I plan to retire at 60 and then travel for a few years in comfort,” says Charles. “So I would like an income in retirement of about £40,000 a year.

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