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Simply put, people who drink beer or hard liquor are more likely to be smokers, whereas wine drinkers are less likely to smoke. Wine drinkers may also be better educated than people who favor other forms of alcohol and may therefore be warier of the health risks of smoking

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Taking the tax-free lump sum and investing into an Isa will give him some financial flexibility and strike a balance between the security of the state pension and the annuity and the freedom he could enjoy if he just put all his money in drawdown." McPhail adds that with the 10,000 tax-free lump sum our smoker should leave around half in cash on deposit, and "half in either a multi-manager fund or for a single fund like Artemis income, which is yielding 3.7% at present"

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