To return to our example of replacing a # 25,000 salary with passive income, if I invested
mainly in shares and rental property and only diversified the
portfolio into fixed income such as bonds in my final years of saving, I'd plan on investing around # 7,000 a year into shares for 25 years, assuming a pretty
aggressive inflation - adjusted annual return of 7 %.
Each robo - advisor generally has five to 10 standard
portfolios composed of ETFs that vary
mainly by the amount of market risk that they carry, covering a spectrum from very conservative to very
aggressive.