Are you heading in the right financial direction? We work closely with our clients to help them identify their financial goals, then provide them with the right strategies to make informed decisions for their financial future.

  • Investment Strategies
  • Wealth Protection
  • Retirement Planning
  • Estate Planning

Investment Strategies

Everyone has different timeframes & circumstances but there are some basics to consider before you start putting your money into any form of investment.

What are your goals?

Start by setting your investment goals.

Since each investment will vary in its potential for risk and returns, you need to choose the right investments to help you achieve your goals:

  • Short-term goals—like saving to pay for a car or holiday in the next six months to two years
  • Medium-term goals—what you want to achieve in the next two to five years, like starting a business
  • Long-term goals—if your goal is more than five years away, like retirement or saving for your child’s education.
Profit and Loss

Investment strategies

As a potential investor, you can be exposed to many investment promotions every day. That’s why it’s important to understand the basics of investment strategies. These include principles like diversification and dollar cost averaging, designed to help your investments work to achieve your goals.

Choosing the right investment option

Invest some time in making the right choices. Once you’ve put some thought into your short, medium or long-term investment goals, it’s time to look into your investment options. Certain types of investments, or asset classes, may help you reach your goals in a way that suits you. When considering different investments, consider some key points.

Your risk tolerance

Your risk tolerance is affected by two key factors:

  • the amount of time you have to invest
  • and your attitude to risk.

It’s true that every investment involves some risk, but some are generally more unpredictable or volatile than others.

If you have a long-term goal, you may have time to ride through the market’s ups and downs and thereby even-out the impact of risk on your investment.

On the other hand, if your goal is short-term, you may choose to take a more conservative approach, because you won’t have the luxury of time.

But if you’re comfortable taking risks and you have big investment goals, you may decide to invest in riskier options. If you’re a conservative investor, you’re likely to prefer safer investment options, even over the long term.

The type of investment

Your risk tolerance will influence the type of investments you make:

  • Investment type (asset class) – General risk-return level
  • Cash (savings accounts, term deposits) – Low risk, possibly low returns
  • Fixed income (bonds, debentures) – Low risk, investments can be linked to inflation rate
  • Property (buildings, land, factories) – Moderate to high risk
  • Equities (shares) – High risk due to numerous economic and global factors

We’ve covered some basic types of investments, but you could also consider:

  • Insurance bonds—They’re flexible, tax-effective investments for medium to long-term goals. You can invest a single lump sum or make regular contributions to build your wealth.
  • Managed funds—Your money is pooled with that of many investors and invested across a range of asset classes and managed by a trustee or professional fund manager.
  • Investing in property through a managed fund or super fund—This could give you exposure to a wide range of properties in Australia and overseas, which provides you with investment diversification so not all your eggs are in one basket.

Wealth Protection

Creating a comfortable financial future is not just about saving and investing. It is also about protecting you financially against what can go wrong. 

It is important that we prepare for life’s emergencies, an accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family.

Despite this, the great majority of Australian families do not have an adequate insurance program1 in place. With 9.5% of our salary mandated to go into Superannuation to provide for us once we retire – what do you think is appropriate to spend on insurance2 to ensure you & loved ones are cared for up until you retire ? 1%? 3%? 5% even?

Having the right insurances in place can help protect your family & your income if the unexpected occurs.

There are different types of cover that fall under the broad heading of life insurance:

  • Life cover – also known as term life insurance or death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy.
  • Total and permanent disability (TPD) cover – covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.
  • Trauma cover – provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance.
  • Income protection – replaces the income lost through your inability to work due to injury or sickness.

We have access to a large range of insurers and we can tailor your wealth protection plan to suit your circumstances. We will make the insurance process as simple as possible and help you get the right cover to protect you and those you love with a financial safety net in the event that the unexpected occurs.

Wealth Protection

Aren’t I already covered through my work and the government?

You may be eligible for some compensations and entitlements depending on your situation (for example Super, Workcover, Sick leave, Social Security). However will these be enough? Will you qualify? What are the definitions? Who will help you claim? And what are the waiting periods? With all the different policies out there – it is also important to realise that not all insurance definitions are the same. 1. The Economic Cost of Underinsurance for a Typical Family, Volume 3, Issue 3 2010 2. ASIC www.moneysmart.gov.au

Retirement Planning

Retirement should be one of the most exciting times of your life: a time when you get to fulfil all the ambitions your busy working life kept getting in the way of.

Retirement planning ensures that you’re on track to achieve your goals and able to retire comfortably.

By obtaining advice before entering this step in your financial journey we can help you make adjustments to your financial plan now, so you won’t have to make big, and perhaps unpleasant, adjustments later.

Putting the right plans in place while you are still working will give you the comfort of knowing that your future is under control.

How we can help you:

  • Identify your retirement goals & the income you’ll need to meet them,
  • Identify what assets you expect to compile by the time you retire & the income you can expect them to generate,
  • Accelerate the growth of your retirement savings,
  • Put plans in place to make your money last in retirement,
  • Determine any age pension entitlements or strategies to enhance them,
  • Review & implement your Estate plan – ensuring your loved ones are cared for

We can assist you in effectively planning for your retirement phase.

Retirement Planning

Estate Planning

Estate Planning is not just about having a Will. It involves the review, management and control of your personal, family and business affairs according to your wishes.

Estate Planning gives you the peace of mind that the people you care about are looked after if something happens to you.

You should consider estate planning if you have assets, whether it’s a house, superannuation, investments and/or a business.

More than just a Will, estate planning helps you arrange your assets so that your life savings & any insurance proceeds are dealt with in the most tax effective manner – while providing a level of protection to your loved ones.

We partner with our preferred legal and accounting professionals to help you:

  • Ensure your Will is current and properly drafted
  • Provide for medical & legal guardians to make decisions for you when you are unable
  • Provide tax effective income streams & protection to minors
  • Find the most tax effective manner of passing your assets onto your loved ones (beneficiaries)
  • Review if a family trust is appropriate for your situation
  • Identify whether it is appropriate for you to have Testamentary Trust in place
  • Review your life insurance policies
  • Ensure your nominated beneficiaries are correct for your superannuation
  • Review gift to charities
  • Identify the right structure to pass on the family business
  • Deal with capital losses and capital gains
  • Deal with family debts
Estate Planning

Important Information

Swinbourne Wealth & Protection Pty Ltd, ABN 60 626 072 973. Corporate Authorised Representative No. 1264342. Justin Ayres Authorised Representative No. 277101. Alliance Wealth Pty Ltd, ABN 93 161 647 007, AFSL No. 449221, Level 9, 10 Bridge St Sydney NSW 2000.

This information may be regarded as general advice. That is, your personal objectives, needs or financial situations were not taken into account when preparing this information. Accordingly, you should consider the appropriateness of any general advice we have given you, having regard to your own objectives, financial situation and needs before acting on it.

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