The first financial objective is protection against risk, in two ways. The first is to protect against the risk of the unexpected by accumulating emergency funds. The second is to protect against risk by purchasing an adequate mix of insurance that will cover death, disability, health and property.
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It is more difficult than ever to get into your first home, particularly if you live in one of Australia’s capital cities. And it’s not easy to save a deposit with interest rates so low and home prices increasing.
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Wealth creation involves building a robust investment portfolio that balances rewards with risk. Traditionally we think of saving for a home and then concentrating our efforts on paying the mortgage off as soon as possible. Whilst this is one of the options available, diversification and flexibility is really important to also cater for situations that are out of our control.
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Planning for the unforeseen loss of the main breadwinner’s salary should be a high priority. Leaving it to another day could result in significant financial exposure for your family so its important to protect the things that matter to you most.
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This is really the consolidation stage of life. You might now want to have some of the added luxuries of life such as vacations, memberships in clubs, and time to pursue other interests. It is really important to develop interests outside your career so you have things that you love to do when you retire.
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Time to enjoy the fruits of your labours! Draw down on your super and other savings, spend time with the grandchildren and do all the things you always wanted to do; but work got in the way.
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You work hard to build your savings and investments, set up a plan that protects you if you are medically unable manage your affairs or safeguard your legacy and loved ones when you are not here
Read MoreJing Fortune Group Pty Ltd offered our clients variety of financial services such as brokerage, credit cards, payment services, taxes and accounting, and investment funds.