NO NO NO NO NO and a small yes. 1.The comments about RA 's are incomplete, and those about trusts are stark naked. CGT is the secret tax danger. 2.Start with what you want to live on in retirement - based around lifestyle, then see what capital that requires to generate the income needed, then look at the asset allocation you need to meet that, given probable returns from the asset classes ( shares property bonds etc etc ). Then look at the volatility implications - and you are at sqare ONE and iterate around this. 3. Agh -For goodness sake find yourself a professional financial adviser who is fee only based and get on with it( Michael Caine was right " the reason free advice is free is because its no good".)
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