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@jessicasa I'd suggest you say Y must save a specific amount each month to pay for any necessary upkeep costs required that are a consequence of them living their, as there's no reason you should pay for degradation of the property from their use of it, and Y pays X a below market rate amount of...

@billiemae I have my work place pension with L&G, I couldn't find a World Equity, so I've gone World Equity ex-UK, 5% UK Equity.