Residential Property – Cape Academy

Chapter Progress:

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Introduction & Key Terms

Accumulating pension savings

Factors affecting pension planning needs
Pension Projections
Capital Requirements
Income requirements
Review

Pension fund investments during accumulation

Attitude to risk
Risk categories
Ethical considerations
Asset Allocation
Lifestyle vs Target Date funds
Self-Investment
Loans to sponsoring employers
Borrowing by a scheme

Interpreting client information and objectives in the decumulation phase

Fact Finding
Longevity
Attitude to risk and capacity for loss
Cash Flow Modelling and Stress Testing

Determining the method and timing of accessing pension benefits

Benefits and drawbacks of Scheme Pensions
Benefits and drawbacks of Lifetime Annuities
Benefits and drawbacks of UFPLS
Benefits and drawbacks of Capped Drawdown
Benefits and drawbacks of Flexi-Access Drawdown

Money Purchase Annual Allowance (MPAA)
Income Tax and Capital Gains Tax
Importance of nominating a beneficiary

Alternative sources of retirement income

ISAs
Residential Property
Equity Release
Personal business investment

Tests

Return to Solo 8 (RO4) course

Residential Property

Some people will take out their PCLS in order to pay off the mortgage or pay for home improvements which have both benefits and drawbacks:

Other clients would consider taking the PCLS in order to purchase a Buy to Let property

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