These readers want to buy a home next year and retire in 2050 mortgage free
They need to manage currency risk, and estimate how likely they are to meet their income target in retirement
They also need to reassess their risk appetite as their portfolio does not match what they say it is
Isa and pensions invested in funds and shares, cash.
Buy a home worth up to £500,000, set aside cash for emergencies, retire by 2050 with no mortgage, income of £40,000 per year from investments in retirement, 3 per cent average annual return to grow investments to £1m by 2050, reduce sterling exposure, reduce holdings in higher cost active funds.
Seamus is age 35, and he and his wife work full-time for a joint annual income of about £140,000 per year. They have a young child and have recently moved to the Netherlands, where they expect to stay for the foreseeable future.