Families

Infocus can help you establish a strong foundation for the future by helping you break free from debt, make the most out of your investments and super and protect you from the unexpected.

 

Group Head Office & Qld State Office

07 5406 5000
Level 2, Cnr Maroochydore Road & Evans Street
Maroochydore QLD 4558
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Managing your Debt

Being in debt is not always a bad thing!  Debt allows us to buy things that we would otherwise not be able to own and enjoy, like the family home.  What’s more, using debt the right way can be a great way to create wealth and reduce tax along the way.

The trick is to make sure you’ve got the right type of debt, and that this debt is working for you in ways that will help you achieve your financial goals and objectives.  This might include paying off debt that is not helping you ‘get ahead’ (for example, your credit cards): or it might even include borrowing to invest (and ensuring the interest is tax deductible).

Investing

Investing is an essential part of helping you create wealth.  Over the long term, investments can generate great rewards - and the earlier you start, the better.

Investing starts with ensuring you have surplus cash flow to invest.  It doesn’t need to be much, but if you focus on developing (and sticking to!) your household budget, you can soon find savings that can be invested to help build your future wealth.

This is a complex area and one that we strongly encourage you to ensure you get the right advice. 

Our financial advisers are committed to understanding your needs and objectives.  When you’re ready to invest, our Advisers scan the market to choose the right products to meet your needs.  Given we are independently-owned, we have the freedom and flexibility of choice, giving you peace of mind that we will always advise on the best solution for you.

For more information about investing, or to discuss your investment objectives with your nearest Infocus financial adviser, click on the 'Enquire Now' button below.

Superannuation

Having the right superannuation strategy in place today is absolutely essential to a comfortable retirement.

Taking an active interest in your superannuation early is key to ensuring you can achieve this goal.  How much super you need to enjoy a comfortable lifestyle in retirement will depend on factors such as your accumulated assets and your expectations.  Chances are your employer contributions are not going to be enough and you may need to look at making additional contributions.

The good news is that if you start early, even minimal personal contributions will make a significant difference to your retirement income.  Personal contributions to your superannuation can be made from your pre-tax salary (salary sacrifice) or from your post-tax salary.  Note different taxation rules apply to each method of contribution.  Depending on your financial situation, one may be better for you.

Insurance

Life is full of surprises -– both good and bad.  Insurance provides you with the ability to manage the financial and emotional impact of some of the more drastic surprises that can happen.  

Insurance will never compensate for the loss of a loved one, or replace their role in the family, but it can help reduce the financial burden by providing the capital to ensure you and your family have choices.

Insurance is particularly important if you have a mortgage or other debt and family to support.  It’s important to ensure that in the event of the worst happening, your family will be provided for. 

For more information about budgeting, managing your household expenditure, investing or insurance, contact your nearest Infocus financial adviser by clicking on the 'Enquire Now' button below.

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