- Our reader faces a dilemma over how to take his deferred state pension
- He and his wife wonder whether their portfolio is too racy for their age
- They want to move away from single stocks
Reader Portfolio
Steve and Grace
80
Description
Isas, pension
Objectives
De-risking and simplifying the portfolio, funding care fees, leaving an inheritance
Portfolio type
Portfolio simplification
Not all investors dial down on risky stocks and shares as they retire. For the fortunate who stop working without drawing from their investments, such de-risking might come later in life, once care costs and leaving an inheritance become more pressing.