Category: Retirement

Retirement Planning: An HPH Solutions Case Study

Recently, we shared a client case study that showed how Investments and Superannuation strategies can be utilized to work in your favour. Today we will be presenting you with a case study similar to our previous one which discussed Retirement Planning. However, we will be focusing on maximising Super Contributions to reach our goal. Our client […]

Investment and Superannuation Strategy: An HPH Solutions Case Study

We discussed Personal Retirement Planning on our previous case study. Today we’ll be looking at another client case study about Investment and Superannuation Strategy and how essential it is to planning and creating a stable retirement fund. In some recently released results from “The Australia Talks National Survey” of more than 50,000 Australians, it was […]

Values-Based Retirement Planning

In the past, the transition to retirement has been viewed solely as an economic event. As a result, the focus of retirement planning has primarily been on building a nest egg. In The Late-Start Investor, author John Wasik recommends discarding this obsolete view in favor of a “flexible life plan that provides for financial, vocational, […]

Retirement Expectations

Retirement will trigger changes in every area of your life.  As you anticipate and prepare for this stage of life, you are likely to look forward to certain changes and to dread others. In fact, it is not uncommon for individuals to experience many ambivalent feelings towards retirement because of the significant transitions they anticipate. […]

How Much Should You Save for Retirement?

INTRODUCTION Most people ask themselves this question at some point in their working life (hopefully, relatively early). With the continued shift toward defined contribution plans, future retirees are being asked to take on more responsibility for their retirement outcomes than in the past. So the question is of vital importance. But do we have a […]

2018 Federal Budget Brief

Here’s a roundup of some of the key proposals put forward in last night’s Federal Budget. We take a look at how they might affect your financial goals — whether you’re starting out in your working life, building a career, having a family, or moving toward or living in retirement. Remember, at this stage these […]

2016 Federal Budget summary

The Federal Budget Analysis prepared by the MLC Technical team, part of GWM Adviser Services Limited, appears below. 3 May 2016 Treasurer Scott Morrison has handed down his first Federal Budget—the Coalition Government’s third. The winners are low and middle income earners and small business owners. There are significant changes to superannuation that could warrant further discussion with […]

Great financial planning finally has a value: 23 per cent more in retirement

Financial planners are familiar with alpha and beta as drivers of long-term investment portfolio returns; but now there’s a third letter to add to the lexicon – gamma – and according to Morningstar, it’s the value created that can be directly attributed to sound financial planning. Portfolios optimised using five techniques identified by David Blanchett, […]

Retirement Income Planning: Live Long and Layer

Australians are likely to live longer and could spend more than 30 years financially dependent on super, investments and the age pension.  In 2010-11, the average retirement age was 53.3 years, 57.9 for men and 49.6 for women, according to the Australian Bureau of Statistics. Today’s 65-year-old man has a life expectancy of 84 and a woman 87, according to official data. Taking into account medical […]