Portfolio Clinic 

Concentration is risky, but this isn’t a bad thing

Reader Portfolio

Calum, 54


Pensions, funds, shares, cash


Retire in four years, income from investments of £75,000 a year for first 10 years and £60,000 a year thereafter, grow investments by £400,000 in four years, annual return of inflation plus 4 per cent over the medium to long term

<p>Pensions, funds, shares, cash</p>

Calum is 54, and he and his wife have lived in Switzerland for 15 years. He works in finance and earns the equivalent of £250,000 a year in Swiss francs. His wife is a part-time teacher. Their two older children are in their 20s and work in the UK, while their youngest child is at university in Switzerland.

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