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CASE STUDY
Jeff and Jan are 43 and 42 years old. They are in good health,
with two children, Jerry and Janie, aged 15 and 13, who are both
financially dependant on their parents.
Jeff and Jan want to retire in 17 to 25 years (between the ages of 60
and 65), on $55,000 p.a., in today’s dollars, for the remainder of
their lives. They would also like to pay off their mortgage as soon
as possible, without impacting on their lifestyle, or reducing their
disposable income.
| Home Value |
$410,000 |
| Mortgage |
$160,000 |
| Household Income |
$86,000 |
| Lifestyle Expenses |
$38,000 |
| Education Expenses |
$10,000 |
| P&I Repayments (8% p.a.) |
$13,872 |
| Annual Savings |
$4,112 |
Financial situation after implementing an integrated cashflow and
investment strategy:
| 22 Years Later |
Before Strategy |
After Strategy |
Difference |
| Time to Repay Home Loan |
25 Years |
8.75 Years |
16.25 Years |
Total Interest Paid
(Bad Debt) |
$ 216,970
|
$ 75,799 |
$141,171 |
| Tax Paid |
$547,249 |
$263,941 |
$283,308 |
Total Income
Received |
$2,341,758 |
$3,159,179 |
$817,421 |
Retirement Capital
(In Today's Dollars) |
$566,428 |
$1,205,090 |
$638,662 |
Retirement Income
(In Today's Dollars) |
$39,650 |
$84,356 |
$44,706 |
To find out if our Integrated Financial Strategy can achieve the same outcome for you contact one of our Financial Advisers by filling out this online questionnaire or by calling us on 07 3229 3688.
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