So, moving on to investments. In 2015 I decided to review my whole investing strategy. The outcome was to begin to simplify and diversify - wind down my individual shares portfolio and reduce some of my managed funds. The proceeds were diverted towards an increasingly passive strategy - in particular, using the Vanguard LifeStrategy index funds.
Over the past year, I have completed the sale of all individual share holdings and a couple of investment trusts which did not seem to be contributing much to the basket.
I have also started to operate a more flexible approach to taking income from my investments which involves the sale of capital units from my VLS funds.