The need for a capital lump sum will vary from person to person. The client may want to consider:

• paying off their mortgage or other outstanding debt;
• making alterations or doing overdue maintenance to the home or moving home;
• buying a country cottage or holiday home;
• buying a new car, often due to the loss of the company car;
• a good holiday;
• a loan or gift to children or grandchildren; and/or
• the establishment of an emergency fund.