Here’s some facts and figures about Australian retirement
RETIRE ON LESS THAN $43,000 PER YEAR
WANT TO RETIRE BEFORE THE AGE OF 65
HAVE MORE THAN $700,000 SAVED IN SUPER
WILL HAVE PAID OFF THEIR HOME BY AGE 65
Disclaimer : Chandar Varadhan and Meru Solutions Pty Ltd (ABN 61 622 000 131) [t/a Dimar Financial Services] are authorised by Templeton (Aust) Financial Services Pty Ltd (ABN 99 641 075 952) AFSL 523831 to provide financial services only.. Website development and other related services are provided solely by Golden Unicon . Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information.
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Taking a hard look at where your money goes will help you prioritise what is necessary spending and what is wasteful. We’ll start with your expenses and lifestyle choices and work out ways to make more of your money.
“The first step toward change is awareness. The second step is acceptance” - Nathaniel Branden
By understanding your lifestyle preferences and aligning your budget, you’ll be on your way to achieving your goals.
Reviewing your overall debt as a whole will help you commit to debt reduction. Paying off your home loan earlier than planned will free up resources to apply to growth strategies and save you interest.
“Progress is impossible without change, and those who cannot change their minds cannot change anything” - George Bernard Shaw
We’ll consolidate your debts and show you ways to attack your debt, then redirect your savings. Debt consolidation can improve your cash flow. Debt recycling can provide tax advantages.
Determine what you want to invest in, why you want to invest, and the time in which you’d like to achieve your investment goals. This helps you see the investment journey ahead.
“Goals are dreams we convert to plans and take action to fullfil” - Hilary “Zig” Ziglar
We’ll teach you when to borrow to invest. Our advice will ensure that your investments are diversified across different asset types.
Learn the most effective ways to invest your super savings. Drive your savings in the right direction. Simplify the tracking of your super fund’s processes and fees.
“Let our advance worrying become advance thinking and planning” - Winston Churchill
We’ll show you how to combine multiple funds, simplify the management of your fund, keep you abreast of legislative changes. Learn about investment strategies, enhance performance and identify risk factor, we’ll even help you find lost super.
Life can bring unplanned turns in the road. When this happens you don’t want to change your investment plans to adjust to these turns. Through insurance, you can cover your income so that you can continue to pay expenses, manage your lifestyle and support your family.
“Cash combined with courage in a time of crisis is priceless.” Warren Buffet
By protecting your income, you won’t have to use your investments. By protecting your investments, they can continue to grow.
Our first priority is you. Regular reviews of your financial plan with you will steer to great results. LIfe changes and we’re ready with you when they do. We’re proactive in providing high level support.
“Tough times never last, but tough people do” Dr Robert Schuller
You design the level of support you want, based on your priorities. We’ll keep you focused, motivated and proactive.