Welcome to the December 2017 edition of our newsletter.
As the year draws to a close with Christmas parties and other social functions, we can reflect on whether or not we achieved our financial goals and objectives and think about what our New Year resolutions may be for 2018.
In this edition, we have articles on:
If only I had a second chance
How to develop a "dynamic" approach to retirement spending
How to make better investment decisions
The power of extra salary sacrificed contributions
With our heads firmly in the "The Cloud"
Whatever your financial concern or objective may be, we can help in finding a solution.
No matter our age, most of us would probably look back on some aspects of our lives and say to ourselves: "If only I could do that again; if only I had a second chance".
The combination of historically-low yields, expected muted investment returns and growing life expectancies are making it particularly challenging for retirees to calculate how much to draw down from their retirement savings.
We tend to take shortcuts when making numerous decisions in our lives, such as choosing a restaurant or when buying a new car. But don't take shortcuts with investment decisions.
As the year draws to a close, it's worth checking whether you are making the most of your ability to make regular salary-sacrificed super contributions.
So much of our data is stored in “the cloud” these days. But where exactly is your data? Is it safe? And why are companies comfortable putting your valuable information into this virtual world?
Integrated Planning Systems Pty Ltd ABN 21 051 429 184 trading as McKillop Financial Planning and Fionne McKillop are Authorised Representatives of GWM Adviser Services Ltd ABN 96 002 071 749 trading as MLC Financial Planning. An Australian Financial Services Licensee with its registered address at 105-153 Miller Street, North Sydney NSW 2060. A member of the National Group of companies.
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Readers should consider the appropriateness of this general information having regard to their personal objectives, financial situation or needs and obtain proper advice (financial, legal, taxation and accounting advice as appropriate) specific to their situation prior to making any decision.