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Focus on total return to reduce risk

Our experts think this reader's proposed portfolio is too exposed to high-risk, high-yield assets

How do I start to build a retirement fund?

This reader wants to make the best total return possible over the next 40 years

Should our focus remain on funds rather than direct equities?

Our experts help a couple decide on the best type of holdings for their portfolio

Think before you purchase an additional property

This investor should consider how he will pay off an interest-only mortgage before buying another property

Consider your wealth over a 20 to 30-year time horizon

A high cash position will expose this investor to long-term inflation risk

Planning ahead can help to reduce IHT

These readers should get advice on what they can do to mitigate IHT

You have an unwieldy tracker fund

Overdiversification hinders performance and increases costs

Increase your overseas exposure

This investor is missing out on the potential of global markets

Diversify beyond bonds to meet your return target

A broadly diversified portfolio has a better chance of delivering the returns these investors seek

Align your strategy and aims

Beating the market is less likely with lower-risk investments