PW And AVC

Question 1

Pathetic wine

Answer 1

Pension death benefits, death of person

Affordablility

Taxation - tax status - current and in future also use of isa, cgt exemptions, div allowance… this tax year going forward

Health - current health, family health, life expectancy, plans for long term care

Emergency fund

Trusts

Isa and premium bonds - how much won, up to max for it efficiency

CFL

Wills

Inheritance expected

Nominations

Ethical considerations

Question 2

Athlete v corplecs

Answer 2

ATR
Timings
Health
Liabilities and assets
Emergency fund
Taxation wrappers
Experience of investing

Vulnerabilities

CFL
Objectives
Risks
Performance
Liquidity
Esg
Costs and charges
State of management - passive/active