Do you know how
much you need to retire?

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Retiring should be the fun part of getting older and you probably have a clear idea of how you would like to spend your time once you have retired. Like most people, however, you are worried that you ‘may not have enough’ to do all of the things that you would like to once you have stopped working. Lighthouse Financial Advisers Townsville can help get you on track.

   We operate under our own Australian Financial Services Licence and hold no beneficial interest in the superannuation funds that we recommend – this means that we are free to choose and recommend whatever superannuation funds that    we believe are in your best interests.

“We use our expertise to discover what’s most important to you and how much you will need to accumulate before you retire. Our strategies are tailored to your individual goals and are designed to get you to where you need to be before you retire, whether you are 1, 5 or 10 years away from retiring. We talk in easy to understand terms and are there to help you every step of the way.”
– Dallas Davison, Lighthouse Financial Advisers Townsville

Example shown in video where statement is made that by “giving up $100 per week invested correctly turns into something like $100,000 over 10 years” is based on the assumptions of: an individual with a marginal tax rate of 32.5%,salary sacrificing $148.15 per week to superannuation would reduce that person’s net income by approximately $100 per week.  If this contribution is indexed by 3% pa., and made consistently to a superannuation fund that earns an annual rate of return of at least 7.7% net of fees and taxes, the additional superannuation balance over a period of 10 years equates to over $100,000.