Jane, a 51-year-old woman who recently went through a divorce, is now focusing on managing her assets and planning for early retirement. With a substantial pension pot, Isas, a general investment account, cash, and property, Jane is seeking advice on how to invest wisely to retire at the age of 60.

Currently earning £70,000 per year, Jane has almost £500,000 in pensions, around £250,000 in Isas, and £120,000 in a general investment account. Additionally, she owns a property worth £900,000. Her goal is to transition to self-employment in a few years, with an expected income drop to £40,000 annually. Jane aims to live off her earnings and have her assets fund a retirement income of at least £3,000 per month after tax from age 60.

Having invested in index tracker funds over the years, Jane is now looking to take a more hands-on approach to her investment strategy. She plans to consolidate her holdings into three broad funds: Vanguard LifeStrategy 100% Equity, Vanguard ESG Developed World All Cap Equity Index, and Fidelity MultiAsset Allocator Adventurous. While she is open to a higher-risk approach, she also wants to ensure a balanced and sustainable portfolio.

Financial experts recommend that Jane continue maximizing her Isa and pension contributions until age 60. They suggest a diversified portfolio that includes a mix of passive and active funds to mitigate risk and optimize returns. While Jane’s adventurous attitude towards risk has served her well, it is advised to consider gradually moderating risk as retirement approaches.

In summary, Jane is in a strong financial position and with careful planning and strategic investments, she can achieve her retirement goals. By maintaining a balanced and diversified portfolio, she can secure a comfortable retirement while also supporting her children’s future financial needs.