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Tom and his wife rely on their £979k retirement portfolio, which is heavily exposed to equities. Three experts explain how to improve their asset allocation and holdings.

Don't be misled. Cheaper versions of funds with high investment limits are actually are widely available to small investors

Investors reaching state pension age before April 2016 should consider deferring state pension for generous government backed uplifts.

Our free personal finance podcast on state pension deferral, absolute return bond funds, Neil Woodford's performance and China A-shares.

This investor can easily achieve his £4,000 income goal. But he needs to focus on his portfolio as a whole and take into account potential longevity and inflation risks.

We answer a reader's question on the rules surrounding transferring your Isa between cash and stocks and shares or to another provider. And we also look at how much this will cost

Our free personal finance podcast on Premium Bonds, P2P investment trusts and exchange traded funds for income.

COMMODITIES: Some think that Opec delegates seeking assurances on near-term Saudi Arabian production cuts are in for a crude response, as divisions over the current quota strategy intensify

Our experts agree that this retired investor can take on high risk via investment trusts. But he needs to introduce more income from overseas.

The pensions higher rate tax relief door could be slammed shut on 8 July.