Financial Planning Case Study

The current dividend yield for direct share Is 7%; The expected return for the Investment of balanced managed fund Is 7%; Income from rental property Is $30,000 per year; Investment in account-based income stream, guaranteed investment and high interest at-call deposit account all charge 2% ongoing management fees; Investment earnings from account-based income stream and guaranteed investment are tax-free, and income stream payments are also tax-free; Superannuation and pension plan 1 Is from a taxed source.

Risk profile:

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More likely to be ‘Balanced’ than ‘Aggressive’ On this basis, I think an appropriate asset mix for her is: about 40% in income assets (such as, deposit products), and growth assets (such as, some managed funds) Strategies: about in Develop a workable budget and a savings plan (current expenses seem a little high at nearly $2,083 per week before tax); Spread investments across a number of different classes of assets, invest parts of asset in retirement income stream and parts In balanced managed fund; use superannuation to pay off the property

Investment loan $400,000; The rest superannuation cash savings, and income from direct share portfolio could be put into a cash management account for emergencies and dally expenses; Transfer SMS to a low-fee, account-based income stream, she can withdraw the minimum 4% per year, while the rest of her money can grow tax-free in the talented’ investment option until she withdraws larger payments later. Invest the pension plan 1 In a balanced manage Tuna; Arrange the pension plan 2 to a guaranteed investment of at least 4% payment per Invest the income from rental property in a high interest at-call deposit year. Account which she can access to extra cash if she needs without any withdrawal costs.