RETIRE IN STYLE – 5. Sequencing Risk
Financial advisers, talk a lot about risk, so what is sequencing risk? Let’s begin with an example… Wayne and Chris each contribute $20,000 per year to their superannuation funds for 10 years. They both earn an average return of 5% per annum, after tax and fees, and from Years Two to Nine they earn identical...
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RETIRE IN STYLE – 4. Transition to Retirement Strategies
4. Transition to Retirement Strategies If you’re nearing retirement age but don’t want to stop work entirely, another option might be to transition into retirement. For those over 60, Transition to Retirement (TTR) pensions are tax-free and TTR strategies can provide a number of benefits. Let’s look at some options available to 62-year-old accountant, Brian....
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RETIRE IN STYLE – 3. Super in your 50s
3. Super in your 50s... It's time to push the pedal down! If 50 really is the new 40, then life has just begun. The kids are gaining independence or may have left home, and the mortgage could be a thing of the past. Bliss. But galloping towards you is… retirement!. How Are You Tracking?...
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RETIRE IN STYLE – 2. Put Strategies in Place
2. Put Strategies In Place to Give You Your Desired Result. The second part to retiring in style is developing strategies to deliver on your desired goals. This can involve all the different areas of financial planning to make sure you have everything covered and there are no gaps. It’s YOUR LIFE! If you put...
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‘RETIRE IN STYLE’ GUIDE
The 5 Pillars to 'Retire in Style'. Keep It Simple. Have a plan that is based on sound principals and proven outcomes that have survived the test of time. Implement Smart Strategies. Such as minimizing tax, making effective use of your cashflow, making the most of your super, investing wisely, protecting your family and making...
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RETIRE IN STYLE – 1. Plan Around Your Goals
1.Plan Around Your Goals. One of the most common reasons people do not succeed financially is that they do not have a plan in place. We all know that the chances of success are so much higher with a clearly defined plan but how many of us have one in place to achieve our financial...
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9. Get Quality Ongoing Advice
The Secret To ‘Living The Dream’... We all, to a greater or lesser extent, have an idea of our dream lifestyle. So how, as a nation, are we faring? To find out, the Financial Planning Association of Australia (FPA) commissioned a survey of more than 2,600 people from around the country. The resulting Live the...
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8. Protect Yourself and Your Family – 2
An Often Forgotten Aspect Of Insurance. When most people think about financial planning they tend to focus on the wealth creation side of things, but often forget about the wealth protection. Building a financial plan without adequate insurance is like building a house on flimsy foundations. Comprehensive insurance cover can be a significant expense; however...
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8. Protect Yourself and Your Family – 1
A Personal Risk Management Plan – Do You Have One? Risk Management Plans don’t only apply to businesses – every person and family should also have a plan to help them cope in the event of an unexpected crisis. No doubt you have insured your car as the risks of damage are obvious to you...
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7. Build a Professionally Managed Share Portfolio 3
The Key to Smart Investing. You’ve probably heard of dollar cost averaging as a way to grow your investment portfolio. It’s not the “be all to end all” for investing, but it can certainly help you make the most of investment markets and economic conditions over the long term. Dollar cost averaging is quite simply...
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7. Build a Professionally Managed Share Portfolio 2
The Benefits of Investment Diversification. When it comes to financial management, no single investment will continually outperform all other investments all of the time. To minimise potential losses and to smooth your investment returns over the longer term, you should spread your portfolio across various investments. But that can be easier said than done so...
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7. Build a Professionally Managed Share Portfolio 1
The Power of 'Average'. When financial markets experience volatility, many investors obviously worry; but what are the real effects of a “volatile market”? If you are a long-term investor, with a timeframe of five years or more, you cannot afford to overlook the benefits of growth investments such as shares or property. As an astute...
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6. Smart Super Strategies 3
Is It Time For A Super Review? Picture this... when you were 21 years old your well-meaning but financially inept uncle put $1,000 into an ordinary bank account for you with instructions to leave it there and let the bank’s interest turn it into a fortune. You followed his directions only to discover 34 years...
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6. Smart Super Strategies 2
The Benefits of Super Splitting. Some superannuation funds allow you to split employer or tax deductible contributions with your spouse. Why would you do it? These four case studies show possible benefits. Case 1 Dave and Beth are 52 and want to retire when they are 56 in order to access their superannuation. Dave has...
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6. Smart Super Strategies 1
Boost Your super Before June 30 The end of the financial year is rapidly approaching and, along with it, the opportunity to claim a tax deduction on additional superannuation contributions. Why contribute more to super? Superannuation does impose restrictions on access to your money. It is, after all, intended to provide for your retirement. So...
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5. Own An Investment Property
Entering the Investment Property Market. Purchasing a property for investment purposes can involve a different set of considerations compared to purchasing a home to live in. Here are some tips to get you started. Which Rental Market? First, decide if your property will cater for the budget rental market, mid-level rentals or the executive market....
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You’ve Paid Off Your Mortgage! Now What?
Paid off your mortgage? Woo-hoo! Break out the champagne and celebrate the freedom you must now feel! But once the dizzy excitement has passed, what will you do next? Discharge or not? The first question is should you discharge your mortgage? You can keep the loan facility open, with a zero balance, and retain the...
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4. Manage Your Borrowings Wisely
Borrowing to Invest. Borrowing, or gearing, can help you accelerate your wealth creation. It can allow you to buy assets such as an investment property, or shares that you may not be able to afford outright. By borrowing money to invest, you could potentially multiply your investment profits and achieve your wealth goals sooner. Note however...
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3. Own Your Own Home
How To Own Your Home Earlier One of the biggest financial commitments most of us will ever make is the mortgage on our home. So it is no surprise that the potential savings from adopting a smart mortgage strategy can also be remarkable. TAKE THIS EXAMPLE… Our clients, Steve and Nicole purchased a home for...
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2. Invest the Difference in Good Quality Growth Assets
The Foundations of Successful Investing Establishing an investment portfolio can be likened to building a home. The most destructive, yet unpredictable predator to the structure of a home is the weather. Even in these most technically advanced days, we are still unable to accurately predict the weather. And so too, a man is a fool...
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1. Spend Less Than You Earn
How's Your Budget - Surplus or Deficit? Each year in early May, the Treasurer delivers the Federal Budget and many people across Australia listen intently. The Budget tells us how the government plans to spend its revenue in the coming year, whether it can afford to give us tax cuts, and whether it expects to...
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