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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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