Portfolio Clinic 

Having buffers allows you to take risk

Reader Portfolio

Graham, 68

Description

Sipp and Isa invested in direct share holdings and funds, peer-to-peer loans, breweries, cash, residential property 

Objectives

Supplement pensions income, total return of 4 to 5 per cent a year, downsize home, reduce number of investments

<p>Sipp and Isa invested in direct share holdings and funds, peer-to-peer loans, breweries, cash, residential property&nbsp;</p>

Graham is 68 and works part-time as a management consultant for £40,000 a year. He also receives a former employer pension and the state pension, which together pay him a further £24,000 a year. His wife has recently retired and receives a former employer pension of £22,000 a year. They keep and manage their savings and investments separately.

They have two children who have left home and are financially independent, after they gave them a substantial gift of money to help them get onto the property ladder.

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