Question 3
Answer says waiting to do bequest is more favorable, but there is estate tax mentioned too . If we consider estate tax then it comes in favor to gift now v/s bequest later.
Earning 6.5 % by remaining in estate is definitely better than after tax return if gifted now but if estate tax of 30% considered then ratio is 1.4209 that favors gifting now.
Please explain why answer says bequest is only better?