Someone wants to invest more than £63,000 in workplace pensions, accumulated from former employers, in ethically responsible funds, but wonders whether to put all their eggs in a single basket. In this article, the Investment Doctor advises.

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Ab fab? Financial advisers whose clients want to generate an income are shunning absolute return funds. That’s because even natural yields can change, and a strong past performance isn’t necessarily a reliable guarantee of a proxy income.

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A retired couple in their sixties who receive indexed-linked pensions of £25,000 yearly plus £5,000 from a Sipp have equity-focused Isas and will be hanging on to their direct bond holdings, but looking to replace a matured PFG bond. They wonder what to do with a Euro-dominated bank account held in Spain – and whether they have too many holdings.

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Wondering what one thing will enhance your portfolio’s performance? Thinking small can often yield big results – that’s why you should seriously think about investing in small and medium-sized company stocks, which are currently outpacing their bigger rivals. There’s versatility, too – you can invest indirectly via a unit or investment trust, or directly through shares.

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Now in their seventies, Tony and his wife set up a trust for their grandchildren 13 years ago when they first became grandparents. Their brood now includes two girls aged 13 and 11, and a six-year-old grandson. The children will only benefit from this fund after their eighteenth birthdays, and will only have access to the capital once they turn 25.

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Find out what the Times recommends reader Dean Rose on how to invest for his family’s future

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Time is running out to invest in this year’s £15,240 annual allowance, so follow this last-minute action plan

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Stop and think before getting out your wallet and curb that coffee habit right now

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Our reader wants to help his children build up a pension pot but is taking a very high-risk strategy

Adrian Thomas started investing two years ago on behalf of his three children aged 11, 10 and eight. He started with an initial lump sum of £5,000 for each child’s portfolio invested in five high-yielding FTSE 350 shares from different industries. Each child’s portfolio is set up within a self-invested personal pension (Sipp), and they all have the same number of holdings.

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Individual Savings Accounts, or Isas as they’re more commonly known, are a popular way to save tax-efficiently. But come April 2016, new tax allowances will come into effect that could change the way you use your Isa.

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