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Figures are displayed in Future Value, except where indicated as Present Value (PV).
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You have completed this element of the plan |
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There may be elements you should review |
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This element was not completed |
Area | Status | |
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Salary | ![]() ![]() |
Your annual salary at the start of your plan is [total start salary]. You intend to work part-time at the start of retirement with a PV amount of [total start salary]. You have not set your salary. |
Savings Allocations | ![]() ![]() |
In the first year you have planned to contribute [savings allocation] ( [xx%] of your salary) to an Investment Plan. You have not allocated any of your salary to an Investment Plan in the first year. |
Cash Flow from Investments | ![]() |
At the start of your plan you have annual income from investments of [$xx]. |
Wealth Now | ![]() |
At the start of your plan you have [$xx] in investments (including investment loans), and [$xx] retirement funds. |
Future Wealth (at start of retirement) | ![]() |
At the start of retirement your plan will have [$xx] net investments, and [$xx] retirement funds. |
Debt Now | ![]() |
You have no debts at the start of your plan. At the start of your plan you have debts of [$xx] (including personal loans). |
Future Debt (at start of retirement) | ![]() ![]() |
You have no debts at the start of your retirement. At the start of your retirement you have debts of [$xx] (excluding personal loans). |
Lifestyle Goals |
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You have [goals] lifestyle goals in your plan. |
Retirement Goal |
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Your retirement income in the first year of retirement is [$xx] (Present Value) |
Risk Management () | ![]() ![]() |
You have completed the Report Insurance Needs Self Evaluation assessment and a summary is provided in this report. You have not completed the Report Insurance Needs Self Evaluation assessment. The Plan Risks Summary has been omitted from this report. |
Risk Management () | ![]() ![]() |
You have completed the Report Insurance Needs Self Evaluation assessment and a summary is provided in this report. You have not completed the Report Insurance Needs Self Evaluation assessment. The Plan Risks Summary has been omitted from this report. |
Figures are displayed in Future Value.
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You have completed this element of the plan |
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There may be elements you should review |
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This element was not completed |
Area | Status | |
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Cash Flow |
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Your Transaction (Bank) Account never exceeds your overdraft limit. On occasions your Transaction (Bank) Account exceeds the Overdraft Limit. |
Debt Service Ratio | ![]() ![]() |
You have no debts in this plan. Throughout the term of your plan your DSR never exceeded 30%. Your Debt on occasions exceeds 30% - This is very high. |
Superannuation | ![]() ![]() |
You utilised the benefits of superannuation when creating your plan. You have elected not to include Superannuation. |
Debt Levels at Retirement | ![]() ![]() |
You have no debt on retirement. At the Start of Retirement you have debts of [amount] (excluding personal loans). |
Your Retirement |
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At the start of retirement you will have [$xx] in Investments (Net Value) and [$xx] in Retirement Accounts (Net Value). |
Final outcome of your Savings Plan in Present Value
At the end of your {phaseYear} year savings plan, you will be {age} () and {age} () years old.
It is estimated that, in Net Present Value, your home will be worth , your investments will be worth and your retirement funds will be worth .
Your investments will be yielding a Real (After Inflation) Return of .
Final outcome of your Retirement Plan in Present Value
At the end of your year retirement plan, you will be () and () years old.
It is estimated that, in Net Present Value, your home will be worth , your investments will be worth and your retirement funds will be worth .
Your investments will be yielding a Real (After Inflation) Return of .
[Objectives]
[Strategy]
[Comments]
Lifestyle Goals (PV) | [calendarYear] |
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Balance at Start of Year | |
Savings | |
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Purchases | |
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Balance at End of Year |
Milestones | |
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Description | Year of Event |
Personal Income & Expenses (Excluding Investment Expenses) (PV) | |
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Income (Salary) | |
Expenses | |
Living Expenses | |
Personal Loan Payments | |
Lifestyle Goals | |
Insurance Premiums | |
Tax Due on Personal Income | |
Savings Allocation from Salary | |
Unallocated Funds (Personal Budget) |
Real Estate Purchases at Start of Year | |
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Investment Property | |
Purchase Price | |
Buying Costs | |
Deposit | |
Loan | |
Home | |
Purchase Price | |
Buying Costs | |
Deposit | |
Loan |
Real Estate Sales at End of Year | |
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Investment Property | |
Sale Price | |
Profit on Sale (CGT) | |
Net Sale Price (After Costs & Loans) | |
Home | |
Sale Price | |
Profit on Sale | |
Net Sale Price (After Costs & Loans) |
Shares, Managed Funds and Superannuation | |
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Purchases | |
Shares | |
Shares (Loan) | |
Managed Funds | |
Sales | |
Shares | |
Managed Funds | |
Superannuation (Personal Contributions) | |
Pre-Tax Contributions | |
After-Tax Contributions |
Statistics & Asset Allocation | |
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Debt Servicing Ratio | |
Nominal Investment Returns (Excluding Retirement Accounts) | |
Investment Profile (Excluding Retirement Accounts) | |
Risk Profile (% Growth Assets) (Excluding Retirement Accounts) | |
Asset Allocation | |
Cash, Term Deposits, Bonds | |
Equities & Other Investments | |
Property & Property Trusts | |
Retirement Accounts |
Current Loans & Credit Cards | |||||||
---|---|---|---|---|---|---|---|
Description | Type | Lender | Interest Rate | Length | Amount | ||
Credit Card |
( limit) |
Salary Savings for Loan Expenses | |
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Salary (PV) | |
Loan Expenses as per Savings Plan | |
Loan Expenses as % of Salary |
Loan Balances & Loan Repayment Schedules | ||
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Loan Balance Start of Year (Including New Loans) | ||
Total Loans | ||
Credit Card | ||
Bank Account | ||
Bank Overdraft (Excluded from Calculations) | ||
Loan Payments (Regular) | ||
Total Loans | ||
Credit Card | ||
Additional Loan Payments | ||
Total Loans | ||
Interest Rates | |
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Average Interest Rate | |
Capital Payments | |
Total Capital Payments | |
Interest Payments | |
Total Interest Payments | |
Loan Management for Future Loans | |
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New Loans | |
Investment Property | |
Home Loan | |
Share Portfolio | |
Unlinked Loan | |
Personal Loan | |
Refinanced Loan (Including Additional Loan Amount) | |
Investment Property | |
Home | |
Share Portfolio | |
Unlinked Loan | |
Refinanced Loan - Additional Loan Amount | |
Investment Property | |
Home | |
Share Portfolio | |
Unlinked Loan |
This information should be read in conjunction with the detailed Insurance Needs Evaluation Report. This summary shows the results for the first three years of your plan. The results are displayed in Future Value.
Item | Status | Year [x] | |
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Total Expenses |
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Your plan has annual expenses of: | [$xx] |
Investment Income |
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Your plan has annual investment income of: | [$xx] |
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Income less Expenses: | [$xx] |
Item | Status | Year [x] | |
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Liquid Assets |
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Your plan has liquid assets of: | [$xx] |
Item | Status | Year [x] | |
---|---|---|---|
Life |
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Your plan has no life insurance. | [$xx] |
Total & Permanent Disability |
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Your plan has no total & permanent disability insurance. | [$xx] |
Trauma |
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Your plan has no trauma insurance. | [$xx] |
Income Protection |
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Your plan has no income protection insurance. | [$xx] |
Item | Status | Year [x] | |
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Life |
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Your plan has no life insurance. | [$xx] |
Total & Permanent Disability |
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Your plan has no total & permanent disability insurance. | [$xx] |
Trauma |
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Your plan has no trauma insurance. | [$xx] |
Income Protection |
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Your plan has no income protection insurance. | [$xx] |