Mr?Meikle?should consider saving into Isas, as he will see tax-free growth and can use this to generate a tax-free income in retirement. Using a broad spread of investment vehicles should enable him to get the income he wants in the most tax-efficient manner possible. He should consider adopting different levels of risk in his various investment vehicles.
Given that he won't be able to access his pension funds for at least 23 years, and, as he will be making monthly contributions, he should consider higher levels of risk to maximise long-term investment growth. This could involve investing almost entirely in shares.
As he can access the money in Isas immediately, he may prefer a medium level of risk there,cheap jordan shoes. This might involve a mix of shares and bonds in developed markets.
Mr?Meikle?is considering investing in student accommodation for the "guaranteed rental yield&quot,jordans for cheap; but I'd urge caution as often yields are lower than promised. ?
Many packaged student accommodation funds (often registered offshore) have had liquidity issues and investors have been "locked in" and lost money. He should also be careful before investing in wind farms or tech start-ups,http://users.atw.hu/probdesign/index.php?site=forum_topic&topic=13989cheapjordanshoesfreeshipping.com/bolg, as investing in individual sectors increases risk.
Alison Treharne, chartered financial planner at Shore Financial Planning, said:
Buy-to-let has worked well for Mr,cheap air jordans?Meikle. But it is not risk-free and he also risks a lack of diversification. He will lose tax relief on the mortgage payments gradually from 2017 so by 2020 the tax will be almost double what it is now,cheap wholesale jordans.
His properties may be a useful source of income in retirement but will be taxed under capital gains tax rules (18pc or 28pc) if they are sold in his lifetime, and there is the possibility of inheritance tax at 40pc if left in his estate on death.
He and his partner are heavily exposed to the UK property market. Why take even more risk with this one narrow asset class? More debt and more property is a very high-risk strategy. They can sell their main residences and not be subject to capital gains tax rules if the sale is within 18 months of moving out.
From 1 April 2016, Mr?Meikle?would usually have to pay a three percentage point stamp duty surcharge if buying an additional residential property.
But he won't pay the extra 3pc if the property replaces his main residence and that has been sold. If buying a new main home, he should take out a repayment mortgage with no longer than a 26-year term,cheap jordans for sale, so it is paid off by his target retirement age.


The Moroccan port of Essaouira will move a step closer for British travellers next year with the launch of new direct flights from London Luton Airport.


EasyJet (www.easyjet.com) will start the service on May 1, making trips to the windswept city – which retains much of the laid-back character that lured rock stars like Jimi Hendrix and Cat Stevens here in the Sixties – a far easier proposition.


Currently Britons hoping to visit Essaouira must head first to Marrakesh,http://users.atw.hu/finter-clan/index.php?site=forum_topic&topic=15765cheapjordanshoesfreeshipping.com/bolg, before taking a two- to three-hour taxi transfer to the coast – at a cost of up to ?100 each way – or fly via Paris or Brussels.


The flights will run on Mondays and Fridays, departing Luton at 6.40 am and arriving at 10.20 am local term. Fares start from ?67.99 for the outbound leg,cheap jordans online, and ?35.08 coming back.


In her guide to Morocco beyond Marrakesh, published last week by Telegraph Travel, Tara Stevens describes Essaouira as “a hot spot to chill out and do nothing”.


“Cosmopolitan cafes and stylish eateries spill out of every square, smart bars and restaurants are de rigueur and beach clubs rule the golden strand that was once the preserve of touts and camels,” she added.


Unlike Marrakesh, where shopping can test your patience, the city’s souks are “gloriously hassle-free” and “a great source of cotton blankets in Farrow & Ball colours, carved wooden boxes and psychedelic paintings”.


Tara Stevens recommends staying at Dar Adul (63 Rue Touahen, Essaouira Medina; 524 473 910; dar-adul.com; doubles with breakfast from ?55 a night for the smallish Rabaa room to ?120 for the Séta Room) – “Right at the heart of the action,http://users.atw.hu/phake-mgaming/index.php?site=forum_topic&topic=14992cheapjordanshoesfreeshipping.com/bolg, yet cunningly tucked just behind the sea wall so you’re never far from the sound of crashing Atlantic waves” – or Dar Maya (33 Rue d’Oujda; 524 785 687; riaddarmaya.com); doubles from ,cheap real jordans?120 a night including breakfast) – “A sleek renovation by English expat Gareth Turpin has turned this roomy townhouse into an elegantly modern space,cheap retro jordans.”