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Future Financial Services Blog

by Alex McKenzie

Financial planning advice to guide you through your life stages. Financial advice for when you are looking to buy your first home, start a family or looking to retire. This blog aims to show the relevance of Superannuation, insurance and investment for everyday families.

18
May
2018

Income Streams

Income streams in retirement

The superannuation system is designed to build wealth in order to provide us with income in our retirement years.  Once we retire and need income, the most efficient way to do this is by converting our superannuation to pension phase and commence an income stream.

Once in pension phase, all earnings are tax free as is the income you receive. There are two types of income streams; account-based pensions and annuities. Each has competing strengths and weaknesses and they work really well together by having a combination of both.

Written by: Alex McKenzie Categories: Future Financial Services Blog

18
May
2018

Retirement and Investment Properties

Owning an investment property in Australia

Owning an investment property in Australia is one of the most popular wealth creation strategies and a very common aim for our clients. For those with a long-term investment horizon and stable cashflow, an investment property is an excellent option.

There are a number of reasons why investment properties are such great wealth creation assets. They are easily geared at low interest rates. They have low price volatility and most clients understand and are comfortable with property price cycle, therefore, very few people panic sell an investment property. Investment properties are tax effective due to negative gearing and the capital gains discount.  Most importantly, properties have a long history of strong capital growth.

Written by: Alex McKenzie Categories: Future Financial Services Blog

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