Retirement Planning

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Retirement planning continues to be an foriegn concept for a substantial number of individuals. A prerequisite for a comfortable retired life is detailed planning.

You need to set goals, make investments and work towards achieving them.

A comfortable retired life comes at a price. Visualise what will make you happy and then see if you can work towards paying for that happiness.

How Much Will I Have In Retirement?

We use sophisticated modelling techniques to help you understand how your super will grow over your lifetime.

Required Income in Retirement

We use sophisticated modelling techniques to help you understand how much you need to contirbute to your super to reach your retirement income goals.

Shortfall Gap

Whether retirement is still several years away or just around the corner, you should start thinking about what you’d like to achieve in the years following full time employment.

Your lifestyle in retirement will be largely governed by your financial position. That’s why it’s so important to start planning for your financial security as soon as possible.

With a secure financial future, you’ll be able to have the kind of retirement lifestyle you’ve always wanted.

Contact us on (02) 9488 0400 to get a personalised report for your circumstances.

Investment

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If you're seeking to build wealth during your working life, Investorplan can help you with:

• Tax-effective savings
• Asset allocation advice designed,
• to provide long-term growth,
• Debt and gearing strategies,
• A range of other investment, and
• financial planning strategies.

Invest How Much Do I Have for Investment?

Long Term Wealth Creation (10%)
Debt Reduction (20%)
Day to Day Living (70%)

• How Much Do I Have to Invest?
• Do you have a budget?
• Do you pay your credit off in total at the end of every month?
• Do you spend first and then save OR save first and then spend?

My Investment Portfolio

There are many reasons to invest instead of saving money for your personal financial goal. Here are some of the typical reasons to save.

• Repay Mortgage
• Education Funding
• Holiday
• Wedding
• Deposit

My Personalised Situation

Contact us on (02) 9488 0400 to get a personalised report for your circumstances.

Insurance

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My Personal Insurance

There are many reasons to protect yourself from life’s risks.

Read below to see why.

What Happens If You Die Too Soon?

If your spouse had died last night, how would that leave you financially?

Could you:

• Continue to make your mortgage payments?
• Continue to pay all your bills?

Life Insurance provides a lump sum on the death of an individual to provide the surviving family members with the lifestyle they deserve.

What happens if you were diagnosed with a Heart Attack or Cancer last night?

Financially, what would you like to happen? Would you:

• Like to pay off your mortgage?
• Make that overseas trip?
• Take some time off work?

Trauma Insurance provides a lump sum on the occurrence and/or diagnosis of a major trauma.

My Personalised Situation

Contact us on (02) 9488 0400 to get a personalised report for your circumstances.

Financial Planning

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My Financial Plan

An important objective of the financial planning process is to ensure your financial growth and security over the long term.

To help achieve this, you should:

• Identify your personal goals
• assess your current financial position, and
• determine your attitude to investment risk.

Once these have been determined, an appropriate investment strategy can be developed as a key component of your financial plan.

Asset Allocation Strategy?

After the identification of your investor profile, the asset allocation process is the single most important factor in determining whether you achieve your investment objectives.

Put simply, asset allocation is the distribution of your investment dollars among different asset classes such as international shares, property, Australian fixed interest.

The proportion of funds invested in each asset class for any investor will depend on several factors including your:

• desired returns;
• preferred investment time frame;
• long term income earning ability;
• tolerance to risk or fluctuation in returns;
• need for cash flow from your investment portfolio;
• general market conditions.

Diversifying Your Investments

Diversification means spreading your funds across various investment markets and/or fund managers to manage investment risk – that is, not ‘putting all your eggs in the one basket’. It works on the principle that different investment markets (such as shares, property, fixed interest and cash) perform well at different times.

In fact, over the 10 year period between 1993 and 2003, most generally accepted investment classes (or sectors) have been a top performer in at least one year. Therefore, your portfolio should be constructed using an appropriate mix of funds with exposure to investments across all or most sectors.

Ongoing Review of Your Investments

After you accept the recommended investment strategy presented by Investorplan, they will arrange the placement of investments as suggested in your investment strategy or financial plan.

To ensure the initial strategy continues to meet your objectives in keeping with your changing personal circumstances, you should meet with your financial planner at least once a year to review it.

My Personalised Situation

Financial success and security is all about establishing your goals (a financial plan) and developing an investment strategy that will help you achieve them.

Contact us on (02) 9488 0400 to get a personalised report for your circumstances.

General Calculators

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Use these free tools provided by MoneySmart - a fantastic resource for general financial information and calculating your financial position. Please get in touch with us if you would like to discuss the results you have of using these calculators.

Secure File Transfer

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Useful Links

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Included are a range of useful finance and business related links to assist you.

eWombat Search

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