Retirement Planning & Investment Management
Including superannuation rollover and pension advice (including accumulation and defined benefit superannuation), investment administration, managed funds, securities and direct equity advice (and other strategies for high net wealth individuals and families including philanthropic giving and structures).
Investment advice can be sought by anyone wanting to develop a investment strategy to build wealth for the future. Although not always, often an investment strategy will support a plan for retirement or financial independence.
This type of advice is often required by people who may be approaching retirement, and is critical for everyone between the ages of 50 and 65.
Ask yourself the following questions:
Are you in a position to pay your mortgage off as quickly as possible?
Do I have savings capacity and ability to invest?
Are you paying to much tax?
Has your super been positioned to benefit from compound returns?
Will I have enough to fund a comfortable retirement?
If you are not sure if you can answer these questions, please book a complementary appointment to discuss your options.
Account Based Pension
An account based pension is a regular income stream purchased with your superannuation money.
Enquire today to discuss your pension options.
Transition to Retirement Strategy
A transition to retirement pension (also known as a 'Non Commutable Account Based Pension' or 'TTR Pension') is a regular income stream purchased with your superannuation money. It is designed for individuals who have not fully retired from the work force and would like to draw on their retirement funds.
Contact us today for more information.
An annuity is an investment product that provides you with a guaranteed income for a defined period of time. You can choose how long you want the payments to last depending on what you would like to purchase i.e. lifetime or fixed number of years.
Utilising your available cash to invest in assets can potentially increase your capital over the medium/long term period. Funds can be invested in line with your current risk profile where you can invest in a diverse range of asset classes such as fixed interest, property and infrastructure and domestic and international equities.
Enquire here to discuss your investment options.
An investment bond, also known as an insurance bond, is a single premium life insurance policy for the purpose of investing. Investment bond accounts can hold multiple investment options and can start at as little as $1,000. As the investment bond is a form of insurance policy, investment bonds are highly flexible upon the event of death. You are able to nominate multiple beneficiaries and control the amount (lump sum or income) you wish to leave.
Contact us to find out more.
Borrowing money to invest is commonly known as gearing. Gearing can accelerate both profits and losses of your investment because you are investing funds that you would not ordinarily have access to without borrowing. For gearing to be successful in the long-term, you should invest in assets that produce a total return that exceeds the after-tax costs of financing the investment (such as the interest on the loan).
Contact IEC to see if gearing is appropriate for you.
IEC Financial Advisory Pty Ltd is a Corporate Authorised Representative (No.1251572) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No.223135