Portfolio Clinic 

Forget about buy-to-let before getting a home

Reader Portfolio

Curtis, 23


Isas and Lisa invested in funds, cash, workplace pension


Build up investments to supplement pensions and receive £60,000 a year plus in retirement, 6 per cent annual growth on investments. Grow Lisa to £70,000 to £80,000 for home deposit, build up cash savings worth six months salary.

<p>Isas and Lisa invested in funds, cash, workplace pension</p>

Curtis is age 23, single and works in the public sector for a salary of £2,800 a month after tax. He rents a flat and his total monthly living costs come to about £1,100. He saves £333 a month into a lifetime individual savings account (Lisa) to purchase a house and wants to build up portfolio to supplement his pension income in retirement.

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