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planning for your retirement

RETIREMENT PLANNING

Set aside some money for emergencies and unexpected events when considering what combination of income sources will be most suitable for your retirement needs.

gold as an investment

INVESTMENT OPTIONS

Whether you are an experienced investor or a beginner, there are plenty of steps you can take to grow your money and keep it safe. Find out about the most common types of investments used by Australians – shares, managed funds, managed account, ETF’s, international investments and property.

choose how to reduce debt

DEBT REDUCTION

Debt recycling is the strategic co-ordination of cash flow to achieve home loan reduction, wealth creation / accumulation and tax minimisation all at the same time. This strategy is designed to maximise wealth creation opportunities and to pay off your home loan sooner allowing you to secure your financial future.

all kinds or insurance

INSURANCE

Insurance is about providing money in the event that you die too soon, become disabled (permanently or temporarily) or suffer a major medical condition.
There are generally four different types personal insurance. You may elect to have one or more of these.

ESTATE PLANNING

It may be awkward, but it’s important to decide who you want to inherit your assets when you die. Find out how you can give instructions to your family about your legal and medical preferences should you fall ill or lose the capacity to make those decisions yourself.

share investing in superannuation

SUPERANNUATION

Superannuation is a tax-effective vehicle designed to save for your retirement. Contributions can come from your employer and/or by your own money. Sometimes the government may add more by way of co-contributions and/or the low income super contribution.

tracking self managed super

SELF MANAGED SUPER FUNDS

Some people want the control that comes with managing their own super, but taking control means being responsible for managing your retirement funds which will involve significant time and effort. You need to understand your legal responsibilities and the investments you make because, at the end of the day you are the one responsible.