Jeff and Claire are 43 and 41, and have three children aged four, seven and nine. Between them they earn £130,000 a year before tax, which covers all their bills. Their home is worth about £750,000 and mortgage-free.
Should our focus remain on funds rather than direct equities?
Reader Portfolio
Jeff and Claire , 43 and 41
Description
Isas and pensions invested in funds and shares, VCTs, cash, residential property
Objectives
Retirement income of £30,000 each per year, help children buy homes in about 25 years, 5 per cent a year total return from investments for next 20 years.

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