Use tax wrappers efficiently to hit objectives

James Baxter gives advice to a reader who needs to rationalise his portfolio and make better use of tax wrappers if he wants to achieve his objectives.

Yusuf Sadiq is 72 and has been investing for 20 years. He says his investment objectives are fairly simple:

1. To produce a small income of around 3 per cent and generate some growth to achieve an annual total return of around 4-5 per cent.

2. To preserve wealth so that his wife can continue receiving a good level of pension if he dies before her, and to be able to pass something on to his family.

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