Portfolio Clinic 

Think long and hard before opting out of your NHS pension

Reader Portfolio

Ajay, 42


Isa and Sipp invested in cash and funds, cash, NHS pension


4% to 5% average annual growth to build up assets large enough to pay out £12,000 a year starting in 15 years, buy home, pay school fees

<p>Isa and Sipp invested in cash and funds, cash, NHS pension</p>

Ajay is 42, divorced and has a three-year-old daughter. He is an NHS manager and expects to earn at least £94,000 a year for the next three years.

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