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Determine the level of retirement income you require

Our readers have little in the way of pension provision and must shape their portfolio to cover their costs

Build up cash and cut your number of holdings

Our reader should also allocate money to his wife's pension and consider paying down the mortgage the most efficient way

Go back to basics – and use the seven-year rule

Our readers should be able to reduce their estate's IHT bill with careful planning

Model your cash flows to meet your goals 

Our readers are seeking clarity on how best to meet their future spending requirements

Use all the tax breaks available to you

Our reader has used up his pensions lifetime allowance, so could now consider higher-risk tax-efficient investments

Move cash into bonds and equities to get 5%

Our readers want to grow their portfolio by 5 per cent a year, but might struggle given the significant cash holdings

Your target return is too ambitious

Our reader wants to grow his investments by 8 to 10 per cent a year

Bonds offer limited value but should provide useful diversification

Our readers face particular risks from their mix of holdings

Your portfolio has little chance of making 5% per cent a year

Our readers can't make 5 per cent a year with their current risk appetite

Your portfolio doesn’t match your risk profile

Our reader doesn't want to make great losses, but holds high-risk investments