11 super simple, easy to understand, no jargon ways to save tax and increase your retirement funding, so you can enjoy living life after work without the worry!
- There has been close to a 1000% rise in women investing in stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries from women.
- More women are now preferring to invest their savings rather than just keeping money idle in fixed deposits or savings accounts due to education about financial products.
- The document discusses various investment strategies and products that are suitable for women investors, focusing on safety, liquidity, and ease of investing through SIP.
The document is a financial magazine from Fairstone Financial Management Ltd that discusses several topics related to pensions and personal finance. It provides:
1) Answers to the top 10 most frequently asked questions about the recent pension reforms in the UK that give savers more flexibility over how they use their retirement savings from age 55.
2) A summary of the 10 key announcements from the recent UK Budget that could impact financial plans both positively and negatively.
3) An article discussing how it's important for savers to consider not just the investments they choose but also where they hold them, to maximize returns.
This document provides information about the importance of retirement planning and conducting a retirement review. It stresses that planning ahead is crucial to ensure retirees can afford their desired lifestyle. A retirement review involves assessing a person's needs, objectives, current pensions and policies to understand what income they are projected to receive and if there are any gaps. It aims to help people position themselves best for retirement rules and afford their plans. The document dispels some common myths about retirement planning, such as relying solely on the state pension, treating a business or home as a pension, or believing it is too late to plan. It emphasizes taking advice from financial experts to understand retirement options and make the most of pension plans.
The reality is there is no link between what you earn and how well you manage your money. That is good news for everybody. It simply means that regardless of our earning levels, we can all learn good money management habits and we can all aspire to a good level of financial security. Indeed, we can do more than just aspire; we can actually do something to achieve that financial security during our lifetimes.
Affordable Property Investments helps people grow their wealth through property investment. It is owned by Rohan Birmingham, who has experience in property development and management. The company's goal is to create a network of experienced property investors and professionals to provide services like research, education, financing and management to help members invest successfully in properties for long-term capital growth and cash flow.
This document provides an overview of pensions for beginners. It explains that pensions allow long-term savings with tax benefits to save for retirement. While pensions involve saving like a bank account, the money cannot be easily withdrawn and is intended for long-term retirement savings. The document recommends starting a pension early to maximize growth and advises joining an employer-provided pension if available due to employer matching contributions. Pensions provide a way to save for a comfortable retirement through long-term investments since the state pension alone may not be sufficient.
This document provides tips and advice for improving one's financial situation in the new year. It discusses setting financial goals, creating a money roadmap with short and long-term goals, earning more through freelance work or a side business, reviewing life insurance needs due to major life changes, talking about money with family, and estate planning with a will. It also includes statistics about financial resolutions and savings goals.
6 mindsets that can help new graduates develop saving habits 1.2National Debt Relief
The document provides advice on developing good saving habits for new graduates with student loan debt. It discusses 6 mindsets that can help, such as paying off debt immediately, budgeting every dollar earned, not being discouraged by small savings, setting long-term financial goals, taking advantage of employer benefits, and being mindful of lifestyle inflation. Developing strong saving habits keeps one focused on the future, motivates preparation, and encourages smarter present decisions. Good savings habits can help establish a secure financial future despite student loan burdens.
- There has been close to a 1000% rise in women investing in stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries from women.
- More women are now preferring to invest their savings rather than just keeping money idle in fixed deposits or savings accounts due to education about financial products.
- The document discusses various investment strategies and products that are suitable for women investors, focusing on safety, liquidity, and ease of investing through SIP.
The document is a financial magazine from Fairstone Financial Management Ltd that discusses several topics related to pensions and personal finance. It provides:
1) Answers to the top 10 most frequently asked questions about the recent pension reforms in the UK that give savers more flexibility over how they use their retirement savings from age 55.
2) A summary of the 10 key announcements from the recent UK Budget that could impact financial plans both positively and negatively.
3) An article discussing how it's important for savers to consider not just the investments they choose but also where they hold them, to maximize returns.
This document provides information about the importance of retirement planning and conducting a retirement review. It stresses that planning ahead is crucial to ensure retirees can afford their desired lifestyle. A retirement review involves assessing a person's needs, objectives, current pensions and policies to understand what income they are projected to receive and if there are any gaps. It aims to help people position themselves best for retirement rules and afford their plans. The document dispels some common myths about retirement planning, such as relying solely on the state pension, treating a business or home as a pension, or believing it is too late to plan. It emphasizes taking advice from financial experts to understand retirement options and make the most of pension plans.
The reality is there is no link between what you earn and how well you manage your money. That is good news for everybody. It simply means that regardless of our earning levels, we can all learn good money management habits and we can all aspire to a good level of financial security. Indeed, we can do more than just aspire; we can actually do something to achieve that financial security during our lifetimes.
Affordable Property Investments helps people grow their wealth through property investment. It is owned by Rohan Birmingham, who has experience in property development and management. The company's goal is to create a network of experienced property investors and professionals to provide services like research, education, financing and management to help members invest successfully in properties for long-term capital growth and cash flow.
This document provides an overview of pensions for beginners. It explains that pensions allow long-term savings with tax benefits to save for retirement. While pensions involve saving like a bank account, the money cannot be easily withdrawn and is intended for long-term retirement savings. The document recommends starting a pension early to maximize growth and advises joining an employer-provided pension if available due to employer matching contributions. Pensions provide a way to save for a comfortable retirement through long-term investments since the state pension alone may not be sufficient.
This document provides tips and advice for improving one's financial situation in the new year. It discusses setting financial goals, creating a money roadmap with short and long-term goals, earning more through freelance work or a side business, reviewing life insurance needs due to major life changes, talking about money with family, and estate planning with a will. It also includes statistics about financial resolutions and savings goals.
6 mindsets that can help new graduates develop saving habits 1.2National Debt Relief
The document provides advice on developing good saving habits for new graduates with student loan debt. It discusses 6 mindsets that can help, such as paying off debt immediately, budgeting every dollar earned, not being discouraged by small savings, setting long-term financial goals, taking advantage of employer benefits, and being mindful of lifestyle inflation. Developing strong saving habits keeps one focused on the future, motivates preparation, and encourages smarter present decisions. Good savings habits can help establish a secure financial future despite student loan burdens.
This is a short review of several commonly overlooked areas of planning that can severely impact the transition to retirement for small-business owners.
To determine if you have enough to retire, consider factors like your expected retirement income needs, projected social security and pension benefits, and whether your current savings and investments will generate sufficient income in retirement based on rules like the 4% withdrawal rule. While retirement calculators can provide estimates, your actual retirement lifestyle may require more or less income. Working longer if possible can significantly boost your savings and reduce the number of years you'll need to fund retirement. Speaking with a financial advisor can help you better understand your individual retirement prospects.
Here are 4 tax tips for you before end of Financial YearY. Sam El Shammaa
Here are 4 tax tips for Australians before June 30th 2018: Tip 1) donate to charity for tax deductions over $2; Tip 2) pre-pay investment loan interest to claim the deduction early; Tip 3) make extra super contributions which are tax effective for long term saving while staying under contribution caps; Tip 4) keep receipts for 5 years in case of an audit. The document provides a disclaimer that the tax tips are general in nature and independent advice should be sought depending on individual circumstances.
- The document provides a guide from Wesleyan for Teachers to help teachers better manage their savings.
- It finds that over half of teachers believe they have less understanding of savings and investments than the general population.
- The guide offers tips for teachers on building an emergency fund, setting savings goals, investing for retirement, understanding risk tolerance, and reviewing savings regularly.
Personal finance basics by Jagoinvestor.comVarun Krishna
The document describes a collection of 8 personal finance articles for young investors from the website www.jagoinvestor.com. The articles provide advice on topics like maintaining emergency cash, avoiding loans, tracking expenses, investing in mutual funds and real estate, and buying term insurance. Managing finances well through smart spending and saving can help young investors achieve their goals without taking on debt.
This document outlines four steps to achieving financial security: 1) control your expenses by spending less than you earn, 2) increase your income through career advancement, 3) reduce debt and build savings, and 4) control risks through proper insurance. It then provides additional guidance on applying these steps at different life stages from your 20s through retirement. The overall message is that consistently following a plan of spending control, income growth, debt reduction, and risk management can lead one to the goal of financial security.
The document discusses the power of starting investments early in life. It provides three examples that illustrate how even small monthly investments of Rs. 1,000-2,000 can grow substantially over 30 years through the power of compounding returns. The author argues that early investing is like starting a fire in a jungle - small initial sparks can grow enormously over time due to compounding, just as small monthly investments can grow into large sums. Investing early allows investments and returns to compound for longer, resulting in much greater wealth accumulation compared to starting later in life. The key message is that early and consistent investing, even with small amounts, can help achieve major financial goals through the long-term power of compounding returns.
This document provides advice for beginner investors on avoiding common mistakes when starting to invest in the stock market. It recommends:
1) Doing in-depth research to understand a company's finances, competitors, and position before investing. This includes comparing metrics like earnings and market capitalization between competitors.
2) Using demo accounts to practice investing with fake money before using real funds.
3) Controlling emotions by having an investment plan with targets for gains, maximum losses, and sticking to the plan.
Brother and Sister Hopeful are struggling financially and in debt. The author provides principles to help them get out of debt and achieve financial independence. These include creating a family budget and financial goals, paying off debts, avoiding interest payments, keeping good financial records, and investing savings in low-risk assets once debts are paid off. The Hopefuls are advised to cut spending, pay down high-interest credit cards, and educate themselves on personal finance basics.
With the ups and downs of the stock and real estate markets it is difficult to know where to put your money. In this slideshare we go over the 12 keys to creating financial certainty. You will learn how to avoid market risks and how to bank on yourself with the Family Banking Plan that uses Infinite Banking.
To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
This document describes a private lending program that offers secured investments in real estate with returns of 6-8%. Investors lend money to the company, which they use to purchase residential properties below market value, renovate them, and sell them for a profit. The investments are secured by mortgages on the properties. The program aims to provide investors with a hands-off, low risk way to earn higher returns than other options like savings accounts or the stock market.
Things you can do, apart from the obvious lifestyle changes that will help you take better care of your finances.
Visit http:/blog.guarented.com for more useful content.
16 personal finance principles every investor should know sample chapterJagoinvestor
The old name of this book was "Jagoinvestor - Change your relationship with money" . Now its called "16 personal finance principles every investor should know", which is a book written by Manish Chauhan.
16 Personal Finance Principles Every Investor Should Know aims to reorient the way in which people perceive money management. With the help of simple stories and parables, it changes your perception of money management from a complex chore that only financial wizards can master to a simple, commonsense exercise that you can easily undertake.
Every chapter in this book is based on personal finance principles, which when applied can make your financial life full of power, freedom and abundance. It is not written to engage a discerning reader or show-case the authors knowledge; this book is written to help you take action in your financial life.
16 Personal Finance Principles Every Investor Should Know is a veritable manual or guide on how to live an extraordinary financial life. It will show you exactly how to change your relationship with money and make your financial life simple; it will help you to understand the guiding principles of personal finance and bring about a change in your financial situation; it will guide you towards making your financial life more organized.
In a nutshell, it will help you shift gears and start on an exciting journey of wealth creation the only plea that runs through the book is that you must take action!
Buy the book at http://bit.ly/personal-finance-book
FINANCIAL FREEDOM FOR FILIPINOS AND OFWSJon Hererra
Limtiless Coaches and Russ Juson discussed his life story and his advocacy for the Filipinos and Financial Freedom
https://www.facebook.com/jonherreralimitless/?fref=ts
https://www.facebook.com/LifeCoachRuss/?fref=ts
This document discusses financial planning and savings strategies at different stages of life. It recommends that people in their 20s focus on career development, pay themselves first through retirement contributions, and begin good savings habits. Those in their 30s should budget properly, save for retirement and children's college, and secure essential insurances. In your 40s, it is important to aggressively save for retirement and establish a relationship with a financial planner to develop clear savings goals and plans.
The document provides 6 rules for investing in stocks aimed at beginner investors. Rule 1 is to understand your investment goals, whether it be capital gains, cash flow, or hedging. Rule 2 stresses the importance of education before investing. Rule 3 is to save a portion of income and put it towards investments after getting educated. Rule 4 discusses ways to mitigate risk such as through education, starting small with investments, and purchasing insurance.
The document discusses a company called FFS that aims to help families achieve financial security and build wealth through various financial products and services. FFS provides an opportunity for individuals to build their own business with the company with no major investment, franchise fees, or risk of job loss. The company educates customers on financial concepts like compound interest and maximizing tax advantages to help them better understand how to protect and grow their savings over time.
A Brief review of why everyone needs a written financial plan, one that has been updated within the last 12 months and the 11 mistakes that you do not want to make in your financial plan.
This is a short review of several commonly overlooked areas of planning that can severely impact the transition to retirement for small-business owners.
To determine if you have enough to retire, consider factors like your expected retirement income needs, projected social security and pension benefits, and whether your current savings and investments will generate sufficient income in retirement based on rules like the 4% withdrawal rule. While retirement calculators can provide estimates, your actual retirement lifestyle may require more or less income. Working longer if possible can significantly boost your savings and reduce the number of years you'll need to fund retirement. Speaking with a financial advisor can help you better understand your individual retirement prospects.
Here are 4 tax tips for you before end of Financial YearY. Sam El Shammaa
Here are 4 tax tips for Australians before June 30th 2018: Tip 1) donate to charity for tax deductions over $2; Tip 2) pre-pay investment loan interest to claim the deduction early; Tip 3) make extra super contributions which are tax effective for long term saving while staying under contribution caps; Tip 4) keep receipts for 5 years in case of an audit. The document provides a disclaimer that the tax tips are general in nature and independent advice should be sought depending on individual circumstances.
- The document provides a guide from Wesleyan for Teachers to help teachers better manage their savings.
- It finds that over half of teachers believe they have less understanding of savings and investments than the general population.
- The guide offers tips for teachers on building an emergency fund, setting savings goals, investing for retirement, understanding risk tolerance, and reviewing savings regularly.
Personal finance basics by Jagoinvestor.comVarun Krishna
The document describes a collection of 8 personal finance articles for young investors from the website www.jagoinvestor.com. The articles provide advice on topics like maintaining emergency cash, avoiding loans, tracking expenses, investing in mutual funds and real estate, and buying term insurance. Managing finances well through smart spending and saving can help young investors achieve their goals without taking on debt.
This document outlines four steps to achieving financial security: 1) control your expenses by spending less than you earn, 2) increase your income through career advancement, 3) reduce debt and build savings, and 4) control risks through proper insurance. It then provides additional guidance on applying these steps at different life stages from your 20s through retirement. The overall message is that consistently following a plan of spending control, income growth, debt reduction, and risk management can lead one to the goal of financial security.
The document discusses the power of starting investments early in life. It provides three examples that illustrate how even small monthly investments of Rs. 1,000-2,000 can grow substantially over 30 years through the power of compounding returns. The author argues that early investing is like starting a fire in a jungle - small initial sparks can grow enormously over time due to compounding, just as small monthly investments can grow into large sums. Investing early allows investments and returns to compound for longer, resulting in much greater wealth accumulation compared to starting later in life. The key message is that early and consistent investing, even with small amounts, can help achieve major financial goals through the long-term power of compounding returns.
This document provides advice for beginner investors on avoiding common mistakes when starting to invest in the stock market. It recommends:
1) Doing in-depth research to understand a company's finances, competitors, and position before investing. This includes comparing metrics like earnings and market capitalization between competitors.
2) Using demo accounts to practice investing with fake money before using real funds.
3) Controlling emotions by having an investment plan with targets for gains, maximum losses, and sticking to the plan.
Brother and Sister Hopeful are struggling financially and in debt. The author provides principles to help them get out of debt and achieve financial independence. These include creating a family budget and financial goals, paying off debts, avoiding interest payments, keeping good financial records, and investing savings in low-risk assets once debts are paid off. The Hopefuls are advised to cut spending, pay down high-interest credit cards, and educate themselves on personal finance basics.
With the ups and downs of the stock and real estate markets it is difficult to know where to put your money. In this slideshare we go over the 12 keys to creating financial certainty. You will learn how to avoid market risks and how to bank on yourself with the Family Banking Plan that uses Infinite Banking.
To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
This document describes a private lending program that offers secured investments in real estate with returns of 6-8%. Investors lend money to the company, which they use to purchase residential properties below market value, renovate them, and sell them for a profit. The investments are secured by mortgages on the properties. The program aims to provide investors with a hands-off, low risk way to earn higher returns than other options like savings accounts or the stock market.
Things you can do, apart from the obvious lifestyle changes that will help you take better care of your finances.
Visit http:/blog.guarented.com for more useful content.
16 personal finance principles every investor should know sample chapterJagoinvestor
The old name of this book was "Jagoinvestor - Change your relationship with money" . Now its called "16 personal finance principles every investor should know", which is a book written by Manish Chauhan.
16 Personal Finance Principles Every Investor Should Know aims to reorient the way in which people perceive money management. With the help of simple stories and parables, it changes your perception of money management from a complex chore that only financial wizards can master to a simple, commonsense exercise that you can easily undertake.
Every chapter in this book is based on personal finance principles, which when applied can make your financial life full of power, freedom and abundance. It is not written to engage a discerning reader or show-case the authors knowledge; this book is written to help you take action in your financial life.
16 Personal Finance Principles Every Investor Should Know is a veritable manual or guide on how to live an extraordinary financial life. It will show you exactly how to change your relationship with money and make your financial life simple; it will help you to understand the guiding principles of personal finance and bring about a change in your financial situation; it will guide you towards making your financial life more organized.
In a nutshell, it will help you shift gears and start on an exciting journey of wealth creation the only plea that runs through the book is that you must take action!
Buy the book at http://bit.ly/personal-finance-book
FINANCIAL FREEDOM FOR FILIPINOS AND OFWSJon Hererra
Limtiless Coaches and Russ Juson discussed his life story and his advocacy for the Filipinos and Financial Freedom
https://www.facebook.com/jonherreralimitless/?fref=ts
https://www.facebook.com/LifeCoachRuss/?fref=ts
This document discusses financial planning and savings strategies at different stages of life. It recommends that people in their 20s focus on career development, pay themselves first through retirement contributions, and begin good savings habits. Those in their 30s should budget properly, save for retirement and children's college, and secure essential insurances. In your 40s, it is important to aggressively save for retirement and establish a relationship with a financial planner to develop clear savings goals and plans.
The document provides 6 rules for investing in stocks aimed at beginner investors. Rule 1 is to understand your investment goals, whether it be capital gains, cash flow, or hedging. Rule 2 stresses the importance of education before investing. Rule 3 is to save a portion of income and put it towards investments after getting educated. Rule 4 discusses ways to mitigate risk such as through education, starting small with investments, and purchasing insurance.
The document discusses a company called FFS that aims to help families achieve financial security and build wealth through various financial products and services. FFS provides an opportunity for individuals to build their own business with the company with no major investment, franchise fees, or risk of job loss. The company educates customers on financial concepts like compound interest and maximizing tax advantages to help them better understand how to protect and grow their savings over time.
A Brief review of why everyone needs a written financial plan, one that has been updated within the last 12 months and the 11 mistakes that you do not want to make in your financial plan.
FFS is a financial services company that provides life insurance and retirement products. Their mission is to help families achieve financial security and build wealth. They offer a business opportunity for individuals to become representatives and earn commissions on sales. The compensation plan provides bonuses for recruiting other representatives and earning overrides on their sales.
The document discusses creating wealth and achieving financial freedom through network marketing. It emphasizes owning your own business and making passive income through recruiting others. It outlines a 4-step system to build a team and earn residual income by sharing health products and the business opportunity with others who will also recruit partners. The goal is to have a large team in place within a year that generates substantial monthly residual income.
Here is a quick overview of a retirement strategy that allows for a tax deduction for a business owner on any deposits and allows the withdrawals in retirement to be tax free.
The document outlines several benefits of becoming an entrepreneur through direct selling, including expanding your network, receiving recognition and rewards for achievements, gaining job and financial security, earning a higher income including residual passive income, receiving tax deductions, and gaining freedom, flexibility, personal growth, and an opportunity to redefine your career later in life. It warns the reader they may discover life-changing information and encourages them to consider direct selling as a business model.
Living Debt Free and Truly Wealthy By Bill ConstainBill Constain
This document provides an overview of strategies to help families achieve financial goals such as reducing debt, growing savings, ensuring safety of principal, minimizing taxes, and having liquid assets. It discusses how traditional financial planning advice is no longer sufficient given today's economic environment. Common concerns families have around finances are identified. The document then introduces two concepts - smart debt management and breaking away from the tax trap - to help families better manage their money. It argues that qualified retirement plans subject savings to high taxes and market risk, whereas alternative strategies could provide tax-free income and eliminate risk of loss. The document promotes meeting with a financial advisor to discuss how these concepts could be applied to an individual's specific situation.
This document provides information on how to prosper and thrive in retirement by addressing four important financial issues: generating sufficient retirement income, maintaining affordable health coverage, maintaining independence at advanced ages, and best leaving assets to heirs. It discusses strategies such as investing in longer-term bonds or municipal bonds to generate higher retirement income, using annuities to supplement spending and ensure payments last as long as the individual, understanding Medicare options and the importance of supplemental coverage, considering long-term care insurance, and proper estate planning to avoid taxes and ensure intended heirs receive assets.
This document provides tips for young adults to get their finances in order. It discusses the importance of budgeting, paying off credit card debt, contributing to retirement plans, having an emergency fund, starting to save for retirement early, understanding taxes, having health insurance, and protecting your assets with insurance. The key pieces of advice include learning self-control, taking control of your own financial future, knowing where your money goes through budgeting, starting an emergency fund, and starting to save for retirement as early as possible.
The document is a financial newsletter that provides information on mutual funds and retirement planning. It includes the following:
1) A table showing the 1, 3, and 5 year returns of various mutual funds across categories like large cap, mid cap, multi cap, tax planning, hybrid, and debt funds. The 5-year returns of Mirae Asset Emerging Bluechip mid-cap fund are the highest at 22.35%.
2) Suggestions from financial experts for the upcoming budget, including raising tax exemption limits and introducing a separate limit for equity-linked savings schemes (ELSS) funds.
3) Ten ideas for beneficial tax and investment changes, such as making the National Pension System (
passive income ideas top ways to build up your wealthrajib sarkar
Passive income is revenue derived from a lease house, restricted alliance or other organization where a person is not actively included. Just like energetic earnings, passive income is normally taxable. Nevertheless, it is usually treated differently with the Inner Revenue Services (IRS)
The document provides information about conducting a pension review and creating an action plan for a richer retirement. It outlines key questions to consider as part of the pension review, such as contributions, financial needs, investment performance, and options at retirement. The action plan section then guides the reader through assessing their current financial situation, retirement goals, any gaps, and potential actions to close gaps and achieve retirement goals, such as changing investments or pension arrangements. The overall document aims to help readers evaluate if their current pension and savings are on track to meet their retirement income needs and identify actions to improve their prospects for a "richer retirement".
The document provides information on conducting a pension review and creating an action plan for a richer retirement. It outlines key questions to consider in the review, such as whether contributions are sufficient, financial needs, investment performance, and fees. The action plan section recommends assessing one's current situation, retirement goals, any gaps, and steps to take. Conducting regular reviews can help ensure a pension is on track to meet retirement income needs.
IT’S IRA SEASON – SAVE FOR RETIREMENT WHILE ENJOYING TAX BENEFITSSpencer Savings Bank
As a group, Americans are not doing well in preparing for retirement. Research shows that most Americans do not have enough money saved for retirement and many are very concerned. One of the main reasons for lack of saving are incomes that have not changed (or decreased) over the years, while cost of living continues to rise and salaries are not going as far as they once did to cover all the necessities.
This document provides information about opening and contributing to Individual Retirement Accounts (IRAs). It discusses the benefits of IRAs for retirement savings including tax advantages. It outlines contribution limits and rules for traditional and Roth IRAs. The document encourages starting contributions as early as possible, even if just small monthly amounts, to benefit from compound interest over many years of savings. It also provides contact information for Spencer Savings Bank, which offers IRA accounts and services.
The document discusses several topics related to retirement planning and pensions, including:
1) The upcoming changes to the lifetime pension allowance, which will be reduced from £1.25 million to £1 million starting in April 2016. This could result in additional tax charges for those with pension savings above the new allowance.
2) Options for taking advantage of the current higher lifetime allowance amount, such as starting to take pension withdrawals before April 2016.
3) Ways to potentially avoid tax charges on pension savings exceeding the lifetime allowance, such as using the "small pot rule" to withdraw small pension pots tax-free or contributing to a SIPP for more flexible tax treatment.
4) The importance of seeking
The document discusses a company called FFS that provides financial services and products to help families achieve their financial goals. It promotes FFS's business building system as a proven way for leaders to build a successful business. FFS aims to improve families' saving habits through the latest financial concepts and products. The document then outlines several problems facing Americans today such as debt, lack of savings, and retirement issues. It suggests that through FFS's services, families can gain financial security and independence.
This document discusses four important financial issues for retirees: generating sufficient retirement income, maintaining affordable health coverage, maintaining independence at advanced ages, and best leaving assets to heirs. It provides information on investing retirement funds for higher returns than savings accounts to cover health and long-term care costs if needed. The document also discusses Medicare options and the importance of supplemental coverage, as well as factors to consider regarding annuities and long-term care insurance due to the high likelihood of needing long-term care services.
The document discusses a startup encouragement plan to help new businesses succeed. It notes that over half of new businesses fail within 5 years according to statistics. The plan provides different service packages to help businesses with taxes, bookkeeping, financing, sales and marketing over a 12-month period. The packages vary in level of support and cost. The goal is to help businesses avoid common reasons for failure like poor planning, funding issues, high costs and lack of expertise.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Economic Risk Factor Update: June 2024 [SlideShare]
Super changes cut through ebook
1. SUPER CHANGES CUT THROUGH
SUPER STRATEGIES TO GET YOU AHEAD OF THE GAME
2. Hi, I wrote this specifically for all Australians who are
looking for a better future and want to get ahead of the
game. You may be disenchanted with the whole super
discussion. To be honest, I don’t blame you. The
government is continuously tinkering with the system and
it is just plain hard to keep up.
For most, this is going to be the second biggest asset you
own,….After all, so why not take an interest. After all this
is what is going to provide for you when you stop working.
Now is the time to take an interest in your super and your
future to ensure you live a long and happy life before it’s
too late. That’s what we all want, right?
The super strategies provided in this e-book are tried and
tested strategies that I have been using for my clients for
over 18 years to help them reach their financial goals and
get them ahead of the game.
Not all strategies will be relevant for you, however, I am
sure they will show you the value of having a trusted
adviser by your side to navigate the complex financial
landscape and to give you the power to dictate your own
future.
Written by Glenn Doherty CFP
Financial Organiser - Exelsuper
KEY FACTS
Retirement savings gap of $1 trillion
$2.1 trillion currently held in super
Average super balances:-
- Male at age 65 - $292,510
- Female at age 65 - $138,154
$130 billion contributed to super pa.
80% of Australians do not seek advice
=
Australians need advice!
3. IMPORTANT INFORMATION – GENERAL ADVICE WARNING
This information is of a general advice nature only, and has been prepared without taking into account your particular financial needs, circumstances or objectives. All information is based on
Exelsuper Advice Pty Ltd’s understanding of current law as at 15th May 2017. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should
obtain professional advice before acting on the information contained in this publication. Taxation considerations are general and based on present taxation laws, rulings and their
interpretation as at 15th May 2017. You should seek independent professional tax advice before making any decision based on this information. Exelsuper Advice Pty Ltd ACN 080 419 745 holds
an Australian Financial Services License 428272.
11 SUPER STRATEGIES
Page 5 SUPER ISN’T AN INVESTMENT & OTHER DUMB STUFF PEOPLE BELIEVE
Page 6 MONEY FOR NOTHING
Page 7 THE BRING FORWARD
Page 8 MONEY MATCHING
Page 9 PLAYING THE TEAM GAME
Page 10 AVOID THE GRIM REAPER
Page 11 LOST SUPER
Page 12 RETIREMENT RUNWAY
Page 13 INCOME FOR LIFE
Page 14 THE AGE GAP
Page 15 YOUR OWN PTY LTD
Page 16 THE ANGEL INVESTOR YOU KNEW NEVER EXISTED
4. Hi,
I know what you’re thinking. This is
most probably not the most
interesting thing you want to read,
right?
You’d probably rather buy a novel or
watch a game of thrones. I’m with
you.
But here’s the thing, even if I told
you that knowing this stuff or at
least being aware of this stuff could
save you hundreds of thousands of
dollars, you’d most probably
wouldn’t be that interested then,
right?
Because, after all, our future self is
less important that the current
version of our self.
But here’s the thing, if you don’t do
anything, I can guarantee you will
regret it.
So, would you rather REGRET 5yrs
from now or spend 10mins just
going through this and asking
yourself if this is a really important
question.
Is there anything here I should
know that will get me ahead of the
game?
Of course, if you want to short
circuit it all, go to the back and
there’s everything about me & you
can come direct to me to ask a
question.
But I want to leave you with this
quote from Abraham Lincoln.
“the best WAY TO PREDICT THE
FUTURE IS TO CREATE IT”
Make it a great Life!
Glenn
5. 5
Super isn’t an investment and other dumb stuff people believe?
You Fill your tank with:-
• Employer contributions
• Salary Sacrifice contributions
• Lump Sum Contributions
• Self Employed Contributions
• Spouse contributions
• Investment returns
Your tank empties by:-
• Pension Payments
• Withdrawals
• Fees
• Negative Investment returns
15%
0%
Here’s the low down.
Super is purely a tax structure with really low
tax rates - the best tax structure going around.
The maximum tax rate is 15% on income and
10% on capital gains.
Oh, and when you’re retired and taking a
regular income out of it, there is no tax on the
income or capital gains. Yippee! No more tax.
If you think of super in terms of a rainwater
tank - the more that goes in, the more quickly
it fills up. The aim is to have a full tank based
on your individual needs when you finish work
or reduce your working hours.
Your tank gets empty by taking pension
payments, withdrawals, negative investment
returns and fees.
Inside your super you can choose to invest
into Australian Shares, International Shares,
Property, Fixed Interest & Cash. You can
either invest directly or through managed
funds. You have control over where your
money is invested.
Your super could be an industry fund, retail
fund, government fund or a Self Managed
Fund. They all have their pros and cons and
different structures suit different
circumstances.
Super is a long-term investment for most.
Therefore, take advantage of it to save for your
desired lifestyle post work.
Understand that it will be a bumpy ride,
however, with an experienced adviser by your
side, you will be able to take advantage of all
the benefits the super system has to offer.
6. 6
Want a guaranteed return on your money?
I know we all like a punt every now and again, even the odd
lottery ticket, in the hope we will win big.
But what if I told you, you could get a guaranteed return on
your money of 5%, 26%, 35% or even 55% depending on your
income, would you be up for that?
All you have to do is add money to your super on a pre-tax basis.
Contribution
Type
Up until 30 June
2017
Post 1 July 2017
Concessional
Contribution limits
(over age 50)
includes employer
9.5% contribution,
salary sacrifice or
personal
deductible
amounts for self
employed.
$35,000pa $25,000pa
Concessional
Contribution limits
(under 50)
$30,000 $25,000
*There are penalties should you exceed these limits.
The Juice!Money for Nothing!
Example: Jack works as a manager earning $120,000 pa. He now
wants to salary sacrifice $1,000 into his super fund. After tax
($370) he has $630 in his hands to either spend or invest.
By adding to his super pre-tax he now has $850, an extra $220 to
invest.
That’s a whopping 35% return on his money, GUARANTEED. Oh
yeah, did I mention less going to the tax office. Winner!
This adds up to only $12.12pw for every $1,000 he adds to his
super.
That’s one bought lunch a week! Most probably, one more we
don’t need.
If used correctly, this allows you to increase your
retirement substantially over time. Although there are
constant changes within super, this is still one of the best
ways to legally reduce your tax while significantly
increasing your retirement savings.
Now, you have a choice, keep leaking money and donate
more money to the tax office or take action, take control
and wrestle the odds back in your favour.
Post 1 July 2017 you have the option that if you have not
reached your limit, you are able to contribute to super and
claim a tax deduction in your tax return. You still need to
keep below the limits.
7. 7
Opportunity!
If you were thinking of adding lump sums to super, now
is the time to do it.
The rules are changing. If you have excess cash that is
not required, now is the time to take action and add it
to super.
You either use it or lose it.
Oh yeah, did I tell you that you pay less tax on earnings
within your super fund. Yes, that’s right, less tax being
paid to the tax office.
Yay, we would all like some of that now, wouldn’t we.
If you happen to have larger balances, then once you
hit $1.6m you will not able to add lump sums to your
super.
Year of Contribution
2014/15 2015/16 2016/17
1 $200,000 Nil $340,000
2 Nil $200,000 $340,000
3 Nil Nil $540,000
Where a $540,000 bring forward amount is
used prior to 1 July 2017
Super Balance Max amount
under bring
forward
Max
contribution
in 2017/18
under bring
forward
Less than
$1.4m
3 x $100,000
cap
3 years
($300,000)
$1.4m to
<$1.5m
2 x $100,000
cap
2 years
($200,000)
$1.5m to
<$1.6m
1 x $100,000
cap
1 year
($100,000)
$1.6m N/A Nil
Non-Concessional Contribution and super
balance limits from 1 July 2017
Just keep an eye out for actual changes once legislated. There
are also transitional arrangements that will come in play. Seek
advice to clarify your personal situation.
The Bring Forward! The Juice!
8. 8
Money for Nothing!
How often do you get an opportunity to get
up to a 50% return on your money.
Yes that’s right. If your income is below $36,021 and you
make a contribution of $1,000 to your super fund, the
tax office will add to an extra $500 to your super.
Now that may not sound like much but where are you going
to get a 50% guaranteed return on your money?
I suspect the only way will be if you take a punt or win the
lottery, but that’s chance, not guaranteed.
Take the easy money!
You made a personal contribution during the year
You are aged less than 71
You lodged a tax return for the year
You meet the work tests, essentially deemed
employed.
Over age 65 and still working, you must work 40hrs
in a 30 day period for reward, i.e. paid work.
10% or more of your income must come from
employment or self employment to qualify.
Income less than $36,021, qualify for the full $500,
between $36,021 to $51,021 the benefit is tiered.
Example 1: Judy earns $36,000 in employment
income and she puts into her super a lump sum of
$1,000 prior to the end of the financial year.
Alternatively, she could have her employer add an
extra $20pw ($1,040). Judy would be eligible for
$500 after lodging her tax return. Over 10 yrs, that’s
an extra $5,000 added to her super.
Example 2: Judy now changes jobs and is now
earning $45,021pa. For Judy to maximise her co-
contribution, she would only need to add $400 to
her super fund and she will receive a $200
contribution from the government into her fund.
Adding extra will go a long way to super-charging her
super.
Money Matching! The Juice!
9. 9
Even Up the Game!
This is all about playing the team game. Where one’s super
balance is larger than their spouses.
Now that the government has put a cap on how much you can
hold in super and where there is a likelihood of exceeding
$1.6m then you need to start taking action.
Any contributions made through the year via employer or
salary sacrifice can be transferred to your spouse.
Example 1: John’s super is worth $180,000 while his
wife’s super balance is $85,000. John earns
$150,000 and his employer contributes 9.5% of his
salary to super ($14,250). Less tax of 15%, John is
now able to transfer $12,112 to his wife’s super.
Example 2: Jack is aged 50 while his wife Jane is
aged 60. Jack decides to split all his super
contributions to his wife’s super account each year.
This means that Jane is able to access these funds
earlier. Should Jane be retired and in pension phase,
the earnings would be tax free, compared to a tax
rate of 15% if Jack left his super contributions in his
own super account.
Example 3: Ben is an executive earning $250,000,
aged 50 and married to Anna, aged 50, who works as
an accountant earning $80,000pa. Ben has been
adding to his super over his working life and looks
like he will exceed the $1.6m cap by age 65 when he
expects to retire. As Anna has a significantly lower
account balance, Ben decides to split his
contributions each year after tax into his wife’s super
account.
What this means is they are able to utilise the $1.6m
pension cap in both names which could reduce their
overall tax on earnings to zero compared to part of
the account attracting 15% on the earnings of the
fund.
Playing the Team Game! The Juice!
Can be done annually
Only 85% of the contribution can be
transferred to your spouse
Even’s up account balances
Where one spouse is older than the other,
funds may be able to accessed earlier.
“Play the Long Game!”
10. 10
Hidden Death Tax!
This one does not get much airtime. It is a hidden death duty.
It is tax charged on certain components within your super when
directed to an estate. Yes, that’s right. If directed to a
dependant, you are fine.
Do you want to reduce the amount the Government receives
when you pass away?
Or, if you don’t like your kids that much then this will reduce
your legacy.
There is good news. Early planning can reduce and in some cases
eliminate this issue, saving you from the grim reaper.
Example 1: Kevin retired 5 years ago and suddenly
passed away. He had $600,000 in super and his
three children are to inherit the money (all are non-
dependants). His balance is made up a taxable
component of $525,000 and a tax free amount of
$75,000. Based on this scenario the $525,000 is
taxed at 15% effectively reducing his benefit to his
children by $78,750.
Example 2: Winding the clock back 5 yrs, had Kevin
sought advice from us we would have recommended
a re-contribution strategy at retirement. In this case,
Kevin would have withdraw $540,000 from his
account and re-contributed this back into his super.
The makeup of his super would now be a tax-free
$547,500 and the taxable amount would have been
$52,500.
Therefore, the tax would be $7,875. This advice
would have effectively saved the estate $70,875.
Rather than this being paid to the ATO, the three
children would have benefitted from the lower tax
being applied to Kevin’s super.
*With contribution rules changing from 1 July 2017 it is
recommended you seek advice if looking to utilise this strategy to
work out what works for your individual circumstances.
Avoid the Grim Reaper! The Juice!
Funds going from super to an estate.
Taxable component taxed at 15%.
Essentially on employer contributions and salary
contributions left in the fund at death.
“Don’t let the Grim Reaper get to Your
Estate!”
11. 11
Ever worked, left a job and forgot about your super. You
would be amazed the amount of money sitting around in lost
super.
Have you checked for any lost super accounts lately.
There is nearly $12 billion sitting in lost super accounts. Is any
of this yours?
Have you held casual or part-time employment in your working
life. If so, there is a chance you have lost super sitting around.
So how do you search for lost super? Well that is the simple
part.
All you need is your:-
• Tax File Number
• Name
• Date of Birth
In Westpac’s 2016 Lost Super Report, they stated that for
millennials, for every $1 in lost super found today equates to
$10 extra in retirement.
For example, if a millennial were to uncover $2,000 in lost
super, that would equate to an extra $20,000 in retirement.
May not sound a lot but every little bit helps.
Lost Super! The Juice!
Billions in lost super
Go to the MyGov site to find your lost super
Are You Leaving money behind?
12. 12
Retirement Runway!
How many planes do you know that taxi out to the runway
and then hit go, not many! There is significant planning and
preparation that goes into a safe take-off.
This is no different. Your take-off (retirement) takes planning
and this gives you the opportunity to implement those last
minute strategies that are going to get you to the end of the
runway ready for take-off, and onto your next adventure!
Take advantage of it while you can.
No TTR TTR
16/17
TTR
17/18
Gross Income $120,000 $120,000 $120,000
TTR Pension $14,400 $14,000
SGC $11,400 $11,400 $11,400
Salary Sacrifice $23,600 $13,600
Tax (including Medicare Levy) $34,432 $25,228 $29,128
Net Income $85,568 $85,568 $85,568
Net Contribution to Super after 15% tax $9,690 $29,750 $21,250
TTR Benefit $5,664 $3,264
Example 1: Ellen is aged 60, earning $120,000 pa
and does not currently have a TTR in place. Ellen
has $350,000 in super with a tax free amount of
$100,000. This example illustrates no TTR
(Ellen’s current position), commencing a TTR in
the FY17 and when the new rules come into play
from FY18.
*These examples do not take into account the tax savings on
earnings within a TTR, therefore, the current benefit would be
greater than that illustrated .
Retirement Runway! The Juice!
Known as Transition to Retirement
Post 1 July 2017, earnings taxed at 15%
Draw income between 4% and 10% of the
balance.
Pension payment is tax-free.
Watch your super contribution limits, $25,000
post 1 July 2017.
13. 13
Income for Life!
This is your new regular pay cheque. You’ve worked hard,
paid your taxes and now is when you reap the benefits of all
your years of hard work.
You will now receive your income as determined by you needs
tax free for as long as your funds last.
Age Annual
Minimum
Drawdown
%
(2016-2017
Minimum drawdowns based
on account balance
$400,000 $800,000 $1,500,000
Under age 65 4% $16,000pa $32,000pa $60,000
65-74 5% $20,000pa $40,000pa $75,000pa
75-79 6% $24,000pa $48,000pa $90,000pa
80-84 7% $28,000pa $56,000pa $105,000pa
85-89 9% $36,000pa $72,000pa $135,000pa
90-95 11% $44,000pa $88,000pa $165,000pa
95+ 14% $56,000pa $112,000p
a
$210,000pa
Example 1: John has a balance of $600,000 in his
super account. He retires and moves his super
account into a ABP. John is 65. John’s drawdown
rate is 5% of the balance. Therefore, John is
required to withdraw a minimum amount of
$30,000 pa.
The $600,000 remains invested ( and we can
provide advice for you to determine the best
investment mix/investments that suit your
needs).
*From 1 July 2017, you will only be able to hold a maximum of $1.6m in
your ABP. For couples, this means you can potentially hold $3.2m ($1.6m
each) in a tax free environment.
Income for Life! The Juice!
Tax Free Income over age 65 or retired
Tax Free earnings
No capitals gains tax
Commonly known as Account Based Pension
(ABP)
14. 14
The Age Gap!
One spouse of age pension age, the other younger. Structure
things the right way and you gain a Centrelink pension.
Moving assets into the younger spouse’s super reduces your
assets for Centrelink purposes, provided the assets are held in
accumulation phase for the younger spouse.
Example 1: Jack is aged 66, has $500,000 in an
ABP. Jack is married to Jill who is aged 60, and
has $200,000 in an ABP. They own their own
home and have other assessable assets worth
$50,000.
Jack is entitled to $98.70pf ($2,566.20pa) from
the age pension. Jack would have been receiving
more prior to the changes on 1 January 2017.
To gain maximum benefits for Jack, we would need to reduce their
assessable assets to $375,000. As Jack is over age 65, he is able to
withdraw from his ABP. In this instance Jill would convert her ABP back to
accumulation phase. Jack would withdraw $175,000 from his ABP and Jill
would make a $175,000 non-concessional contribution. Given the yearly
cap is $180,000 in FY2017, she does not trigger the bring forward rule. This
changes post 1 July 2017.
Now their assessable assets consist of Jack’s ABP of $325,000 and other
assessable assets worth $50,000, meaning total assessable assets are
$375,000.
Jack is now entitled to $661.20 pf ($17,191.21pa), that’s a massive increase
of $14,625pa. He will be entitled to this until Jill reaches the pension age.
Given that Jill was born in 1957, the pension age for her is 67. This will
mean that while Jill retains her super in accumulation phase, Jack will
receive this increased benefit for another 7yrs.
That’s a $102,375 benefit over the next seven years just by structuring their
assets better. It is highly likely given the above circumstances that they
may not be eligible for age pension upon Jill reaching age 67, or if so, it
might be a small pension.
You can also seek advice from a qualified financial planner or Financial
Information Service Officer (FISO) from Centrelink to ensure you are not
missing any benefits.
The Age Gap! The Juice!
One spouse over the age pension age, the
other below pension age.
Assets held in the younger spouse provided in
super (accumulation) are exempt from the
assets test
15. 15
Wanting to take control of your own
super, then having a Self Managed
Super Fund may be for you. Over
600,000 people out there have one.
You take control, you make the
decisions about how to invest your
money rather than some big bank.
It’s not as hard as you think.
Yeah, there might be a little work in
setting it up, but after that, it’s full
steam ahead.
Most people are afraid of the
paperwork involved.
You can do this yourself if you want,
but if I was you, I would outsource
this role to someone like Exelsuper.
Believe me, it will save you a lot of
time and it is money well spent.
So who set’s up a SMSF?
• People discouraged with their
current fund
• People with larger account
balances
• Professionals
• Business owners
• People who prefer property over
shares
• People who want to take control
of their own destiny
What are the costs?
There are setup costs involved with an SMSF.
For example, at Exelsuper charges $1,890 which
includes the fund establishment documents and
setup of a corporate trustee (which we
recommend). For the ongoing administration,
preparation of tax returns and audit, Exelsuper
charge $2,750.
*This does not include any costs for personal advice. This is
quoted on an individual basis based on work.
Want to know more?
• You can call Glenn Doherty of Exelsuper on
1300 558 713.
• Visit the Exelsuper website here
• Visit the Exelsuper YouTube page here
• Visit the ATO Website here
Your Own Pty Ltd! The Juice!
You need to have two members or corporate
trustee to setup a SMSF.
As a rule of thumb you will need over
$200,000 in super to start, with regular
contributions going in.
You can combine your super with your
spouse’s to create a bigger pool.
You make the investment decisions or you can
outsource to a professional.
You can invest in direct shares, managed
investments, cash, term deposits and direct
property.
You have more control over your destiny.
Chart Your Own Course!
16. 16
You have two options, you can invest in
Residential Property or Commercial Property.
You have the ability to borrow to invest to
speed up your growth.
They both have their pros and cons and we are
happy to speak to you about them.
If you are going down the property route, stay
away from the property spruikers, apartments
and anything that sounds too good to be true.
Make sure you do your research and the
decision to invest into residential or
commercial property is done on its merits as a
sound long-term investment
Want to know more?
While this is a great strategy, it is not for
everyone and there are many ways you can get it
wrong. But done correctly, it can add to the
value of your super/retirement benefits.
Want to know more?
• You can call Glenn Doherty of Exelsuper on
1300 558 713.
• View Exelsuper’s video on investing in
direct property video here
The angle investor you never knew existed! The Juice!
Use borrowed funds to magnify your returns
Max tax rate on rent 15%
Max tax rate on capital gains 10%
If in pension phase and retired, 0% tax on
income and capital gains
Borrow up to 80% for residential properties,
up to 60% for commercial properties
depending on the lender
Ability to purchase larger asset now and
paying down over time helps you to create
wealth
Turbo Charge Your Super!
17. FAST SLOW
If you have got to here I hope you have gained
some valuable information to put in your tool
box. Any of these tools can help you to
achieve financial independence.
You have two choices, you can go it alone and
mumble your way through, or alternatively,
you can take the fast lane. Seek advice that is
tailored to your personal values, goals and
individual circumstances.
I’m cool with either way, however, if you want
to go quicker then I would choose the fast
lane. Just give us a call, we don’t bite!
Your next step!
If you have any questions about the strategies
mentioned here or just want to take the fast
lane approach and save yourself a whole heap
of time and stress, feel free to email me at
gdoherty@exelsuper.com.au or give me a call
on 0401 253 729 to book your 1:1 15min call
to find out what’s possible.
“THERE ARE 168 HOURS IN A WEEK. YOU
CHOOSE HOW YOU WANT TO SPEND THEM”