Portfolio Clinic 

Do we have the right mix of holdings and risk?

Reader Portfolio

Seamus and his wife, 35


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.

<p>Isa and pensions invested in funds and shares, cash.</p>

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

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