Starting Out
Investing
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Maximising wealth
Your salary flows in and out of your account each month. You may already
have many of the items you seek. You are in the most important
phase of your life – career, mortgage, family and a good lifestyle.
At this stage you
may not have given much thought to investing.
There’s a lot to understand, such as the broad investment sectors, your
risk profile and the time horizons for your goals and objectives.
Investing can help make your money work better for you. It can
put you on the right track and set the tone for the rest of your working
life. Most people at this stage in life are more interested in capital
growth than a regular income from their investments, so they often look
at a five to seven-year timeframe, or perhaps even longer.
Brian Vallely Kellands Independent Financial Services can help you understand the principles of
investing, determine your investment risk profile and explain risk
versus return. We can create an financial plan that is tailored to suit
your needs.
Protecting what you care about
We insure our cars and homes, but
alot of us don't think about insuring our
most valuable assets – ourselves and our family. Consideration of
personal insurance should form part of
everyone’s financial plan. Unfortunately, many people are underinsured
and often find themselves poorly prepared if something goes wrong. Good
insurance cover can bring a sense of security.
Planning for Retirement
It may be a long way
off, but it is still important to start thinking retirement – especially if you
might want to retire earlier than the norm. Compound interest can make a little forward thinking today, really pay
off later.
It sounds straightforward, but working out a plan is quite challenging.
At this point in your life, you need to have a basic understanding of
how much money you are likely to need to live comfortably in retirement.
It’s a long-term consideration, but your retirement plans need to be
considered alongside your other objectives in life.
