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Laura and her husband, 54


Isas, pensions and trading accounts invested in funds and shares, residential property, cash.


Supplement pensions income in retirement, average annual total return of 3-4 per cent with investments, preserve the capital value of investments, cut number of holdings, minimise cost of investing, invest money in business.

<p>Isas, pensions and trading accounts invested in funds and shares,&nbsp;residential property, cash.</p>

Laura and her husband are age 54. He is a doctor and earns £125,000 per year. He normally also earns about £48,000 a year before tax from a private practice, but this has not been making any money since the onset of the Covid-19 pandemic. Laura is a part time English tutor and earns about £4,000 per year. They have three children – working, at university and at school. 

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