Investing for income

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Investing for income

Client profile

Age: 78

Occupation: Retired

Requirement: The main priority for our client was to maintain her current level of income.

Our client is particularly pleased that our recommendations do not impact on her wish to leave her capital to her children when she dies.

Our new client, who had been retired for a number of years, was facing a dilemma. Having become accustomed to a certain level of income in retirement, she was looking at a drop in income due to maturing fixed rate interest-paying bonds. The replacement bonds were paying only the much lower rates of interest available today.

The client also had equity investments that produce income so we thoroughly reviewed her portfolio which included investment bonds, unit trusts and building society savings.

By re-structuring these investments, we were able to achieve high levels of income for our client, without the need for her to take on undue risk. We also took taxation into account and were able to minimise how this impacts on her lifestyle.

These new arrangements mean that our client now enjoys the retirement to which she has always aspired. She is particularly pleased that our recommendations do not impact on her wish to leave her capital to her children when she dies.

Our client now receives regular portfolio reviews to keep everything on track.

This does not constitute advice and should not be relied on as a recommendation.
Before making any decisions we suggest you seek professional advice.

Trusts and Tax Planning advice is not regulated by the Financial Conduct Authority

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