Portfolio Clinic 

Returns of 15 per cent a year are too ambitious

Reader Portfolio

Matt, 37


Sipp and Isa invested in shares, cash, residential property.


Retire at 57, income from investments in retirement of £20,000 per year, total return of 15 per cent a year, use up pensions lifetime allowance.

<p>Sipp and Isa invested in shares, cash, residential property.</p>

Matt is age 37, earns about £48,000 a year after tax and has a self-invested personal pension (Sipp) worth £125,400. His home is worth about £430,000, but he jointly owns it with a friend, so his share is worth £215,000. He and his friend have a joint mortgage of £340,000, so he owes £170,000. Matt and his wife have a joint account into which they contribute equally every month for paying bills, the mortgage and other joint expenses, but otherwise keep their finances separate. 

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