Your changing retirement - make it work!
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- Felicity Blair
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1 Your changing retirement - make it work!
2 Before we start This seminar provides general information only. It has been prepared without taking into account your individual objectives, financial situation or needs. You must not rely on this information alone as a sole or primary source of advice or guidance for the purpose of making decisions about your superannuation options. If you are interested in exercising your options in LGIAsuper in relation to a matter referred to in this presentation you should obtain the relevant Product Disclosure Statement and consider contacting an LGIAsuper representative who can give you appropriate advice which does take into account your particular objectives, financial situation and needs.
3 What we ll be discussing How s downsizing work? Investment performance Changing personal circumstances
4 Income adequacy Discovery Endeavour Reflection
5 How much is enough? AROUND 65 STATUS COMFORTABLE MODEST Single $42,764 $27,368 Couple $60,264 $39,353 AROUND 85 STATUS COMFORTABLE MODEST Single $40,636 $25,841 Couple $56,295 $36,987 Source:
6 Where does your income come from? Super Government benefits Investments
7 Downsizing? Sale of main residence Contribute up to $300k if over 65 Contribution caps and age-based rules do not apply Pay in to super within 90 days of disposal
8 BUDGET PROPOSAL 2018 Comprehensive Income Products for Retirement Proposed changes to income products Potential Centrelink impact Commencing July 2019
9 Change of details? Change pension payments Tax return
10 Understanding investments
11 Economic climate Uncertain economic Climate Trade tensions Europe Brexit China Positive economic indicators
12 What to consider Timeframe Understand return and volatility Risk tolerance
13 LGIAsuper s investment philosophy Please click the following link to watch LGIAsuper s investment philosophy video:
14 Top 10 holdings Australian shares Commonwealth Bank of Australia BHP Billiton Limited CSL Limited Australia & New Zealand Banking Group Westpac Banking Corporation Macquarie Group Woolworths National Australia Bank Woodside Petroleum Transurban Group At 30 April 2018 International shares Apple Inc Alphabet Inc Microsoft Corp Tencent Holdings Ltd Visa Inc Johnson & Johnson AIA Group JP Morgan Chase & Co Samsung Electronics Amazon.com Inc
15 How we ve performed 170, , , ,000 90,000 70,000 50, Div Growth Cash CPI CPI+3%
16 Leaving a Legacy
17 Protecting your assets Enduring power of attorney Wills Beneficiaries
18 Who can you nominate? Your dependants Your legal personal representative
19 Types of beneficiaries Preferred Binding Reversionary
20 What makes LGIAsuper different?
21 Your trusted financial partner Servicing members across Queensland Professional advice services available Deliver secure, consistent returns (av. 9.15% p.a. over 30yrs for our default investment option) Profit for members fund Conexus Medium Super Fund of the Year Supporting your local community by investing in QLD infrastructure
22 Get the right advice Information Personalised advice Phone:
23 Next steps Review: will your super last the distance? Consider: your risk tolerance Have a conversation: - DHS - LGIAsuper
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