exclusive ladies finance group | ladies finance club · 2020-03-03 · exclusive ladies finance...
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LadiesFinanceClub
Girls Just Wanna Have
Funds
G i r l s J u s t W a n n a H a v e F u n d sL E A R N H O W T O I N V E S T
W W W. L A D I E S F I N A N C E C L U B . C O M
B U T F I R S T
The information in the presentation is of a general nature. It does not take your specific needs or circumstances into consideration, so you should look at your own financial
position, objectives and requirements and seek financial advice before making any financial decisions.
Your Goals
Q u i c k R e c a p
When your money is making money. This is WHY you invest.
COMPOUND RETURN
This is what you get back from your investments.
RETURNS
Different types of investments. This is WHAT you invest in.
ASSET CLASSES
The chance that you don't get back what you expected.
RISK
Q u i c k R e c a p
Your cash purchasing power decreases with time
INFLATION
The mix of asset classes you invest in depending on your risk profile.
ASSET ALLOCATION
Balances your comfort with risk with your goals and investment timeframe.
RISK PROFILE
Spreading your portfolio between lots of investments to lower the level of risk.
DIVERSIFICATION
Putting this into practice
But, first.....
Pay off debts Emergency Fund/ OMG Fund
6 months of expenses
Get clear on your goals
STEP ONE
Get clear on your goals
STEP ONE
Short Medium Long Need Want Need Want Need Want
Write down what you want to achieve by when and how much you'll need to do it.
Y O U R G O A L S
Have a Baby$13,000
2023
Buy a Dog$2,000
Jan 2022
Retire$1,000,000
2051
Want Want Need Need
Holiday to Italy $5,000
June 2021
Short Medium Long Need Want
Buy Home$180,000
2025 Buy a car$20,000
2024
School Fees $50,000
2033
Family Ski Holiday$20,000
2026Emergency Fund
$10,000June 2020
Have a Baby$13,000
2022
Retire$1,000,000
2050
Buy a puppy$2,000
Dec 2021
Get the blend right
STEP TWO
Consider your risk profile and what blend of assets will help you reach your goals
CASH CONSERVATIVE BALANCED GROWTH
How to invest ?
An Adviser will help you articulate your goals, identify
your risk profile and select suitable investments.
Get personal advice or Robo Advice
Bought and sold on the ASX exchange.
Buy via online broker
Exchange Traded Funds Vs Index Funds
Your money is pooled with other investors and invested in
many underlying assets and companies.
Active Vs Passive Investing
PASSIVE
Active Vs Passive Investing
Personal Insurance
The one thing you buy and hope you'll never use
Break it down nowThere's four types of personal insurances that a money savvy lady
should consider...
C R I T I C A L I L L N E S SA lump sum payment if you're diagnosed with a critical illness
I N C O M E P R O T E C T I O N
Replaces your income if you're too sick or injured to work
T O T A L & P E R M A N E N T D I S A B I L I T YA lump sum paid if you are totally & permanently disabled and unable to work
L I F E
A lump sum paid to your estate if you die
For example, if you are currently 35 and earn $80,000 pa, you could earn around $3.8 million before you turn 65.
What is your future earning capacity?
How much will your earn by age 65?
Assumptions: Income increases by 3% pa. No employment breaks. Figures rounded to nearest $10,000.
You should seek advice from a registered tax agent regarding your own tax position.
Tips for the ladies
Premiums are calculated based on age,
so try to lock it in before your birthday
Start planning for your cover when you
start planning for a baby
Lock in your Income Protection before 26
March
Scope out the best trauma policies with
female focussed conditions
1.
2.
3.
4.
Yeah but how?THROUGH YOUR SUPERMost working Australian hold some Life & TPD insurance through their superfund. Your superfund may have advisers who can help you choose
FINANCIAL ADVISERA financial adviser can determine the right amount of cover and recommend which insurance to take according to your personal situation, goals and needs.
INSURANCE BROKERKinda like a mortgage broker but for insurance. They'll compare providers and help you determine the right amount for you.
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