{"id":633533,"date":"2026-06-11T18:30:23","date_gmt":"2026-06-11T18:30:23","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/633533\/"},"modified":"2026-06-11T18:30:23","modified_gmt":"2026-06-11T18:30:23","slug":"how-much-do-you-need-in-an-isa-to-earn-19999-a-year-on-top-of-the-state-pension","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/633533\/","title":{"rendered":"How much do you need in an ISA to earn \u00a319,999 a year on top of the State Pension"},"content":{"rendered":"

\"A<\/p>\n

Image source: Getty Images<\/p>\n

The State Pension provides a steady basic income in retirement, but with one major drawback: it\u2019s nowhere near enough. Even if you get the maximum amount, currently \u00a312,547 a year, you\u2019ll need a lot more on top to really enjoy yourself.\u00a0<\/p>\n

Many investors aim to build a second income stream from a Stocks and Shares ISA<\/a>. The big attraction here is that all the dividend income and share price growth you generate is free of tax for life. You don\u2019t need to even mention the ISA on your tax return.<\/p>\n

Should you buy Land Securities Group Plc shares today?\t<\/p>\n

Before you decide, please take a moment to review this report first. Despite ongoing uncertainties from US tariffs to global conflicts, Mark Rogers and his team believe many UK shares still trade at substantial discounts, offering savvy investors plenty of potential opportunities to learn about.<\/p>\n

That\u2019s why this could be an ideal time to secure this valuable research \u2013 Mark\u2019s analysts have scoured the markets to reveal 5 of his favourite long-term \u2018Buys\u2019. Please, don\u2019t make any big decisions before seeing them.<\/p>\n

Please note that tax treatment depends on the individual circumstances of each client and may be subject to change in future. The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of tax advice. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions.<\/p>\n

How much do I need in my ISA?<\/p>\n

A target income of \u00a319,999 a year is ambitious but not unrealistic, especially if you start investing early<\/a>. It would make a massive difference to your retirement, especially since it\u2019s tax-free. How large would your portfolio need to be to achieve that target income? The answer depends on the yield:<\/p>\n

With a 4% yield, an investor would need \u00a3499,975 invested.<\/p>\n

At 5%, the required total falls to \u00a3399,980.<\/p>\n

And at 6%, the figure drops to \u00a3333,317.<\/p>\n

Those are substantial sums, but they can be generated from a portfolio of FTSE 100 income-focused shares. Some yield even more than 6%. So could this stock help?<\/p>\n

I\u2019ve decided to highlight a stock that\u2019s often flies under investors\u2019 radar \u2013 commercial property specialist Land Securities Group (LSE: LAND<\/a>). Better known as Landsec, it owns offices, shopping centres and retail parks across the UK.\u00a0<\/p>\n

Are Landsec shares for you?<\/p>\n

As a real estate investment trust (REIT), it\u2019s obliged to distribute 90% of its rental profits to shareholders, helping support an attractive dividend.<\/p>\n

Today, the shares have a trailing yield of 6.33%. Yet there\u2019s no escaping it, recent stock performance has been underwhelming. The share price is broadly flat over the last year and down 12% over five years. As a result, the shares trade on a price-to-earnings ratio of 12.25, which strikes me as reasonable.<\/p>\n

Commercial property has endured a difficult spell. The Covid-forced working from home trend threatened demand for office space, while a combination of online shopping and the cost-of-living crisis hit retail. Higher interest rates haven\u2019t helped.<\/p>\n

Landsec\u2019s recent results (14 May) were encouraging though. Occupancy rates reached a 20-year high of 97.7%, and like-for-like net rental income rose 5.5%. <\/p>\n

What could drive future returns?<\/p>\n

The Iran conflict may drive borrowing costs higher, while squeezing property valuations. I suspect Landsec won\u2019t really get moving until interest rates fall and the UK economy\u2019s in a better place.<\/p>\n

Today, it\u2019s more attractive to consider as an income stock than a growth play. So I\u2019d want to balance it with faster-growing stocks in my ISA. This is a share I\u2019ll be keeping a close eye on. Once the economic backdrop improves, I\u2019d expect Landsec to finally deliver some growth, on top of all that income.<\/p>\n

Should you invest \u00a35,000 in Land Securities Group Plc right now?<\/p>\n

When investing expert Mark Rogers and his team have a stock tip, it can pay to listen. After all, the flagship Twelfth Magpie Share Advisor newsletter he has run for nearly a decade has provided thousands of paying members with top stock recommendations from the UK and US markets.<\/p>\n

And right now, Mark thinks there are 6 standout stocks that investors should consider buying. Want to see if Land Securities Group Plc made the list?<\/p>\n

Harvey Jones does not hold any positions in the companies mentioned.<\/p>\n","protected":false},"excerpt":{"rendered":"Image source: Getty Images The State Pension provides a steady basic income in retirement, but with one major…\n","protected":false},"author":2,"featured_media":633534,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,4174,4175,56,54,55],"class_list":["post-633533","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-personal-finance","tag-personalfinance","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/633533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=633533"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/633533\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/633534"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=633533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=633533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=633533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}