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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 [$xx] retirement funds. |
| Debt Now |
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You have no debts at the start of your plan. At the start of your plan you have debts of [$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 | |
|---|---|---|
| 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 |
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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 |
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You utilised the benefits of superannuation when creating your plan. You have elected not to include Superannuation. |
| Debt Levels at Retirement |
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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). |
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] | |
|---|---|---|---|
| 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: | [$xx] |
| Item | Status | Year [x] | |
|---|---|---|---|
| Liquid Assets |
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Your plan has liquid assets of: | [$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] | |
|---|---|---|---|
| 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] |