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Should our focus remain on funds rather than direct equities?

Our experts help a couple decide on the best type of holdings for their portfolio
Should our focus remain on funds rather than direct equities?

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.

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.

Portfolio type
Investing for goals

“We would like to retire on an income of about £30,000 each per year,” says Jeff. “So we would like our investments to make a total return of 5 per cent a year for the next 20 years. We would also like to help our children buy homes in about 25 years’ time.

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