Factors to consider

Question 1

Pensions

Answer 1

Pensions, investments, Benefits

Question 2

Pension Benefits

Answer 2

Flexibility - income, capital, PCLS, Tax - Income
Investments - Risk, Annuity rates could rise, potential growth, control
Advice - Complexity, Ongoing Reviews, Cost

Question 3

Pension - Investments

Answer 3

Diversification
ATR / CFL
Risk
Asset Allocation
Tax - Income / CGT / Inheritance
Control
Annuity Rates
Ethical / Social / Religious

Question 4

Pensions +

Answer 4

Charges, Annuity GAR, Options for taking benefits, Guranteed

Question 5

Investments

Answer 5

control
Risk
Charges - Exit, ongoing, initial
ATR / CFL
Ethical / Social / Religious
Flexibility - Terms
Past Performance
Asset Allocation
Risk
Tax - IHT, CGT, Corporate, Income
Type of income generated - Property, Savings interest, Dividends, Trading
Leverage
Diversification
Choice
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