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Poynter Hargraves Financial Consultants Pty Ltd AFSL 237846
Mon - Fri: 8:30 - 5:00 ACST
1300 797 710
admin@poynterhargraves.com.au

Investment Advice

The first step towards building and managing your wealth is to set up the correct strategy for your wealth portfolio. We will work with you and discuss your personal wealth goals and your attitudes towards investment risk.

Poynter Hargraves can create an investment portfolio specifically tailored to you, which we implement and monitor regularly. Asset allocations and recommended investments are regularly researched and analysed, to ensure the recommendations we make are current and relevant.

How we can help:

Managed Funds
A managed fund involves pooling together money from different investors towards a common investment goal. The pooled money is then invested and controlled by a professional investment manager in different asset classes that align with your investment objectives. Managed funds may be suitable for people who want to diversify their investments and rely on the skills of investment managers to make the investment decisions.

Gearing
The term gearing simply means borrowing money to invest. You can borrow to invest in managed funds, shares or an investment property. Borrowing to invest increases risk significantly but can potentially help build wealth faster. An investment can be negatively, neutrally or positively geared—it depends on the relationship between the costs of owning the investment and the income generated.

Shares
People invest in shares with the objective of generating wealth – either through potential share price growth, via income paid as dividends or a combination of both. By investing in shares on ASX you are buying part ownership of an ASX-listed company. If the company performs well, you can benefit from share price growth and/or income paid as dividends. As with any investment, shares also carry risk and investors need to be aware of these.

Annuities
An annuity is a simple, secure financial product which provides you with a series of regular payments in return for a lump-sum investment. The rate of return is fixed at the outset, and is not affected by share market or interest rate movements. You can choose to have your capital returned at the end of the agreed term or gradually during the term of the annuity as part of the regular payments.

Investment Structure
Once you have made the decision to purchase one or more assets it is important to consider the best investment structure to use. An investment structure refers to the way your investments are legally owned. Many people simply purchase assets in their own name or joint names, when other ownership structures may be more suitable. Getting the structure right at the beginning can have long term benefits, and getting it wrong can be a disaster.

Life Insurance Advice

Whether you are a young single or managing a busy family, having the right insurance provides great peace of mind.  What ever you’re trying to protect in life, there’s a solution to match.

How we can help:

Life Insurance

With the right amount of life insurance you can feel safe knowing that your loved ones will be looked after financially if you were to die or become terminally ill.

Total & Permanent Disability Insurance (TPD)

TPD  cover provides you with a lump sum payment if you become disabled and you are unable to ever work again.  Having a financial safety net in the event of a disability can help ensure that you and your family are provided for during this difficult time.

Critical Illness Insurance

Critical Illness insurance provides you with a lump sum payment if you’re diagnosed with a specified medical condition or serious injury, or undergo a medical procedure outlined in your policy.  This can include heart attack, major organ transplant, cancer or stroke, just to name a few.

Income Protection Insurance

Income protection insurance pays a monthly benefit of up to 75% of your regular income, if you’re unable to work due to sickness or injury.  This policy will pay you a benefit until you are able to return to work or for the agreed period of time – which ever is sooner.

Business Expense Insurance

Business Expense Insurance covers your business costs if you can’t work due to sickness or injury. Business Expenses Insurance is similar to Income Protection Insurance, but it’s designed specifically for business owners.

Superannuation & Retirement Planning

Superannuation

You may spend well over 20 years in retirement – that’s a long time that’s best spent in comfort!  With an average life expectancy of 85 for women and 81 for men, your golden years could last longer than you expected, so now’s the time to plan ahead.  The decisions you make today can have a real impact on your lifestyle in retirement.

How we can help:

  • Track down any lost super. There is over $18 billion worth of lost super in Australia. Some of it may be yours.
  • Choosing the right fund for your needs.
  • Tailoring and regularly reviewing an investment strategy for you.
  • Working out how much you need to contribute over your working life to achieve your desired retirement outcomes.
  • Taking advantages of the various concessions and tax advantages that exist such as salary sacrificing and contribution strategies.
  • Using your super to tax effectively provide for you and your family in the event of misfortune.
  • Ensuring your super benefits go to the right people at the right time in the event of your passing.

By ensuring the right investments and structures are chosen, you can ensure you are right on track to that lifestyle you always wanted in retirement.

Retirement Planning

When it becomes time to enjoy the fruits of your labour, we can help provide the right solutions to ensure that any benefits you are entitled to are maximised. This way you can get on with the more important things in your life.

How we can help:

  • Review your existing investments and structures
  • Tax planning strategies
  • Superannuation & income stream strategies
  • Centrelink strategies
  • Aged care strategies
  • Estate planning