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Description
Mind Map by Paul Dawson, updated more than 1 year ago
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Created by Paul Dawson
over 10 years ago
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Nursing home fees
- equity income
- advantages
- dividends paid net of 10% tax credit
- divs should rise over time
- higher div payments since credit crisis
- dividends paid net of 10% tax credit
- disadvantages
- advantages
- capital disposals
- CGT annual allowance
- CGT annual allowance
- Purchased Life Annuities
- high yield bonds
- IMA Sterling High Yield
- 80% sterling (or hedged back) FIS
- 20% foreign currencies
- 20% foreign currencies
- 50% sub investment-grade debt
- below BBB-
- corporate bonds
- convertibles
- PIBS
- preference shares
- below BBB-
- 80% sterling (or hedged back) FIS
- advantages
- higher income yield than equities
- 5-7% average yield
- 5-7% average yield
- choice of payment frequencies
- easily liquidated
- possible gain
- possible gain
- interest paid net
- reclaimable if non tax-payer
- reclaimable if non tax-payer
- active management (funds)
- higher income yield than equities
- disadvantages
- income not guaranteed
- unlikely to keep pace with inflation
- charges deducted from capital
- value can fall/rise
- equity-like volatility at high-yield end
- equity-like volatility at high-yield end
- income not guaranteed
- IMA Sterling High Yield
- Long term care
- Care Bill
- personal contributions cap - £72k
- increase in means-tested threshold - £118k
- April 2016
- personal contributions cap - £72k
- Care Bill
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