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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.

24
May
2016

So what is Transition to Retirement?

establishing a TTR strategy

Those approaching retirement have almost certainly heard their friends and colleagues use the term Transition to Retirement (TTR), it is extremely popular (and very effective) strategy that enables Pre-Retirees to significantly boost retirement savings; in many cases without reducing take home pay, but how does it work?

Some years ago the government allowed those over 55 to access part of their Superannuation through a Pension, the logic was to allow workers to ease out of the work force into retirement. This ruling also provided an opportunity for those of preservation age but still working to reduce their tax and increase super contributions.

Written by: Alex McKenzie Categories: Future Financial Services Blog

17
May
2016

Risk v Return

the greater the opportunity for growth, the greater the risk

Watching the US Masters last weekend I heard the commentators discuss at length the old age risk v return trade-off, with the Augusta back nine famous for offering enticing opportunities for those brave enough to take on the added risk.  Many times we see the brave take the course on, with the great shot rewarded, but as we know, many also find disaster.

The same is true with investing, in general terms, the greater the opportunity for growth, the greater the risk. Growth investments such as shares and property have the potential for higher returns, but of course are more volatile than defensive safe-havens of cash and fixed interest.

Written by: Alex McKenzie Categories: Future Financial Services Blog

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