My experience so far has been very positive with them. We are still evaluating this visa as we are not 50 yet and cannot apply. But we had a call with them and they explained all requirements. We specifically asked them what they will consider as "proof of steady income" as we do not have "Pension" but will have to show income from other sources (Rentals, Dividends, interest). From my understanding, following is their preference of docs required:
1. Income tax returns for last 2 years. In those returns, they will deduct the salary component to determine other returns (rental income, dividends for example)
2. Bank statements which shows the recurring income (valid for dividend, interest etc)
3. lease and rental contracts and/or any corporate private equity agreement
4. any combination of above
I doubt they will consider one time sale of shares as steady income simply because it is one-time.
Yes. will have to go through the process of submitting the documents to ensure you still meet the criteria for particular visa. I think that's fair but this should be mentioned in official process.
I was aware of 5+5 scenario as I read it on blogs/news articles.