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We are worried about a sharp market fall

These investors are considering some form of exposure to gold to mitigate downside
We are worried about a sharp market fall

Jethro and his wife are 81 and 76, respectively, and have been retired for 15 years. They receive £50,000 a year from their state, former workplace and private pensions. They also receive dividends of about £20,000 a year, but this year these may fall to between £11,000 and £15,000. Their home is worth about £550,000 and mortgage-free. Jethro has three daughters and five grandchildren.

Reader Portfolio
Jethro and his wife 81 and 76

Funds and shares within Isas and unwrapped, cash, residential property. 


Supplement pensions income to fund discretionary spending, cover possible care home costs, leave assets to beneficiaries, invest cash, mitigate downside, reduce UK exposure.

Portfolio type
Investing for income

“We are still active and in good shape, and if our family genes are anything to go by we can expect to stay healthy and live for another 15 to 20 years,” says Jethro. “We are comfortable with investment risk as our pensions cover our basic living requirements and we may still get some dividends. So to a certain extent we view our investments as a long-term, rewarding and interesting hobby.

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