Financial Planning Growing a better future

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Financial Planning Growing a better future"

Transcription

1 To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning client. Issued by HSBC Bank Australia Limited ABN , AFSL/Australian Credit Licence No Terms, conditions, fees and charges apply. HSBC lending criteria applies. This brochure doesn t take into account your objectives, financial situation or needs. You should consider these matters and read the relevant Product Disclosure Statement (PDS) and Terms and Conditions before you make an investment decision. A copy of the PDS and Terms and Conditions are available at our website, by visiting a branch or by calling us on HSBC /13 Financial Planning Growing a better future

2 Benefits of financial planning Whatever your financial goals or aspirations, put expertise on your side. Your HSBC Financial Planner will help you to gather information and assess your personal circumstances and your life goals. From there they can provide a working plan to help you reach those life goals and provide protection for what you already have. Your HSBC Financial Planner is the key to making the most of your money and the better they know you, the better they ll be able to help you manage your financial arrangements with confidence and grow what you have.

3 How an HSBC Financial Planner works with you Everybody s individual circumstances are different, that s why an HSBC Financial Planner has a clear process to understand and deliver the plan that best suits your individual needs. Every Financial Planner works on a Fee for Service basis, so there are no hidden commissions. Their sole focus is to deliver a strategy to fulfil your needs and objectives. Our initial meeting was very positive. Our Financial Planner was extremely personable, and listened to our side of the situation. Preparation is vital 01 Information Collection First of all, we collect information on your current financial position. Everyone s individual circumstance is different, so it is by learning as much about your situation that we can create a personal solution. 02 Identifying your needs and objectives Together, we look at your lifestyle and consider your preferences, your current needs and your future requirements. 03 Plan Preparation We develop a financial plan to assist in fulfilling your needs, your objectives and finally select suitable solutions after careful research and analysis. 04 Plan Presentation We explain our strategies, the advantages, and benefits to you. Thereafter we look to confirm our assessment meets your expectations. 05 Plan Implementation Only after you are entirely satisfied that you fully understand its contents, do we proceed to implement the plan. 06 Ongoing Reviews To ensure that your personal plan is kept up to date with changing economic or personal circumstances, it s important to catch up for regular reviews. Depending on your needs or level of investment expertise, these may be regular catch-ups or annual reviews.

4 Things you may be thinking about Managing your debt Getting married Having children Starting a business Saving for a house Investment management Protecting your assets and income Super strategies Maximising what you have Portfolio construction help how we could you Lifestyle protection Health options Investments Tax management Inheritance planning Retirement planning Children s education Improving your income Risk and return Diversification Managing timeframes Lifestyle protection

5 How your HSBC Financial Planner can help By Growing what you have investing, you can get the money you have to work for you. Working with your Financial Planner, they will put in place strategies to fit your investment timeframes. These may include using debt to magnify your investing power, or paying down debt on your existing home loan as fast as possible. Your Financial Planner is a specialist in providing expert personal advice in the following areas: James went back to basics. He explained everything you need to know. He empowered us by giving us options and explaining the processes. Your mortgage Owning your own home is often the foundation for building your wealth. It is often worth revisiting your mortgage to review the rate, and possibly assess utilising any equity you have built up. Investing tax effectively Looking at your individual circumstance, your Financial Planner will examine strategies that could lead to you improving your taxation position whilst having the same risk and return outcomes with your investment. Budget management By reviewing your individual circumstances, areas can often be identified where your money can work harder for you. Managed Funds You have access to professionally managed investments that are purchased in units rather than shares. Managed funds have a specific investment objective and focus on a range of asset classes such as cash, fixed interest, property or shares.

6 How your HSBC Financial Planner can help Superannuation savings. Margin Lending Put in place strategies to assist you with maximising the potential of your superannuation A margin loan allows you to borrow money to purchase investments, so you can access more investment capital and magnify your opportunity for growth. You may be able to achieve your financial goals faster with a margin loan. Structured Investments These can be diversified investments across different asset classes, markets, and with various degrees of capital protection. Generally structured investments provide International market exposure without the currency risk. Each product has clear investment objectives. Children s education and future Assistance in providing the most tax-effective ways to meet ongoing education and university costs. Estate planning or leaving legacy Put structures in place for the smooth transfer of your wealth. We now have a restructured, diversified portfolio, which ensures us financial security in our retirement. That was the objective of the operation.

7 Taking a long-term perspective is one of the most crucial ways to grow your wealth. Regular reviews with your Financial Planner can ensure that you make adjustments over time but you should always keep your end goal in sight. We wanted to be in a position where we didn t have any concerns over our financial situation. Growing what you have

8 I relate his advice directly to financial security. Without financial security, life would be very uncertain. How HSBC can help Protecting what you have Insurance It s not something we often want to think about, but it s important to consider what would happen if you or your partner passed away, suffered a critical illness or were permanently unable to work due to sickness or injury the mortgage, credit card payments and day-today living expenses continue. With straightforward life insurance and affordable premiums (online quotes are indicative), insurance can help safeguard your family s future. Life Insurance options: Life cover insurance Life cover pays a lump sum if you die or suffer a terminal illness where death is likely to occur within 12 months. Disability insurance Disability cover pays a lump sum in the event that the life insured suffers a sickness or injury that means they are unlikely ever to be able to work again. It will also pay a lump sum if the life insured suffers from a major physical impairment. Critical Illness insurance Critical Illness cover is also known as Trauma insurance and pays a lump sum benefit if the insured suffers one of the defined critical illness events. Critical Illness cover benefits are paid regardless of the insured s ability to work.

9 HSBC Premier is a global banking and wealth management service that offers you international recognition, worldwide assistance, investment expertise, rewards and privileges. Offering a new level of personalised service, HSBC allows you to leverage local and global insights, so you can open up a world of opportunities. HSBC Premier explore a world of opportunities Premier International recognition and emergency support Wherever you go, you are recognised as a Premier customer. We provide emergency assistance at over 6,000 locations worldwide, and there are Relationship Managers at every Premier Centre to provide local support and insights. Privileged pricing and services For home loans you can benefit from a 0.75% discount off our Standard Variable Rate for the life of your Premier Home Loan or 0.10% off our 3, 4 and 5 year Fixed Rate Home Loans.* With cash accounts, you receive preferential exchange rates for Foreign Exchange, and preferential Term Deposit rates. With your credit card you have access to powerful credit limits and a choice of reward programs. You also receive insurance and personal loan discounts. With Financial Planning, you are entitled to a 50% discount on your initial plan preparation fee. Investment expertise You have a raft of knowledge to tap into, with Relationship Managers, Financial Planners and Investment Managers ready to assist. International banking We offer cross-border account opening in different currencies, online Global Transfers to over 30 countries with preferential exchange rates, and transparency of international accounts. HSBC Premier allows you to make instant transfers in major currencies between international and local HSBC products and services. This allows you to experience global banking as it should be with one seamless delivery. It means that you can see all your banking products internationally, so if you have a bank account in UK with HSBC, you ll see all those details along with your local HSBC Premier products and services right here in Australia. Family services Your loved ones receive the same financial guidance, support and protection you enjoy. We offer family bank accounts, debit cards for children 12 and over, global banking services, and family financial planning. * Visit hsbc.com.au for details of the Standard Variable Rate at the time of application. Eligibility criteria for HSBC Premier is set out in the HSBC Premier Services Guide, available on hsbcpremier.com.au

10 HSBC on the ground, wherever you are Local banking benefits HSBC was established in Australia in 1965 and offers an extensive range of financial services through a network of 31 branches and offices. These services include retail and commercial financial services, financial planning, trade finance, treasury and financial markets, payments and cash management and securities custody. International banking benefits Headquartered in London, the HSBC Group serves customers worldwide from around 6,600 offices in over 81 countries and territories in Europe, the Asia-Pacific region, North and Latin America, the Middle East and Africa. With assets of US$2,692 billion as at 31 December 2012, HSBC is one of the world s largest banking and financial services organisations.

Get in touch. Personal banking support for your personal economy

Get in touch. Personal banking support for your personal economy Get in touch Visit HSBC s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday Friday, 8am 8pm (AEST) hsbcpremier.com.au Personal banking support for your personal economy Issued by HSBC

More information

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER.

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. Andrew has been our financial planner for 16 17 years. During this time Andrew s advice has always been very professional

More information

LIFE INSURANCE PREPARING FOR THE FUTURE

LIFE INSURANCE PREPARING FOR THE FUTURE LIFE INSURANCE PREPARING FOR THE FUTURE Bupa life insurance is issued by ClearView Life Assurance Limited (ABN 12 000 021 581) (AFS Licence No. 227682) ( ClearView ). Bupa Australia Pty Limited (ABN 81

More information

Self Managed Super Funds Take charge

Self Managed Super Funds Take charge Self Managed Super Funds Take charge Gain control of your financial future with a Self-Managed Super Fund (SMSF) About Markiewicz & Co. Markiewicz & Co. is one of Australia s leading full service investment

More information

Be part of something bigger.

Be part of something bigger. Be part of something bigger. BIG Bendigo Benefits for Deakin University. It s BIG rewards for you. The BIG Bendigo Benefits program is a special range of products and services designed to benefit members

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

START EXPLORING WAYS TO BETTER ORGANISE YOUR FINANCES

START EXPLORING WAYS TO BETTER ORGANISE YOUR FINANCES WAYS TO WEALTH - IN YOUR 30's & 40's START EXPLORING WAYS TO BETTER ORGANISE YOUR FINANCES Find ideas for getting your family's financial situation into better shape with strategies for dealing with debt,

More information

A personal approach to financial planning. Welcome to Towry. www.towry.com

A personal approach to financial planning. Welcome to Towry. www.towry.com A personal approach to financial planning Welcome to Towry www.towry.com I have been advised by Towry for approximately six years and have been delighted by the highly personalised service they provide.

More information

Financial advice makes a difference

Financial advice makes a difference Bridges Financial advice makes a difference Financial advice makes a difference Advice from a Bridges financial planner will help you have confidence in the decisions you make. Financial advice makes a

More information

ANZ Mortgage Protection. Because your mortgage payments don t stop if your income does.

ANZ Mortgage Protection. Because your mortgage payments don t stop if your income does. ANZ Mortgage Protection Because your mortgage payments don t stop if your income does. What if you couldn t pay your home loan? We insure our cars, our homes and other assets but what about our ability

More information

Super Saver Induction Booklet

Super Saver Induction Booklet VISION SUPER YOUR INDUSTRY SUPER FUND Super Saver Induction Booklet December 2013 99 Low fees and great value for money 99 Automatic Income Protection and Death & Disability cover 99 No commissions or

More information

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT THE EASY WAY TO PROTECT YOUR FAMILY You ve made the smart decision to learn about life insurance. Now we can make it easy for you to

More information

A simple guide to Life Insurance

A simple guide to Life Insurance A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...

More information

Wealth. Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions

Wealth. Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions Wealth Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions We all have different plans in life. At Bank of Melbourne, our commitment to you starts

More information

Protect your family. ClearView LifeSolutions. Life Cover, Trauma Cover and other tailored insurances

Protect your family. ClearView LifeSolutions. Life Cover, Trauma Cover and other tailored insurances Protect your family ClearView LifeSolutions Life Cover, Trauma Cover and other tailored insurances Insurances to meet your needs Defence Health has partnered with ClearView to provide an extensive range

More information

PRIVATE WEALTH. Client Questionnaire and Risk Profile

PRIVATE WEALTH. Client Questionnaire and Risk Profile PRIVATE WEALTH Questionnaire and Risk Profile Important Notice to The Australian Corporations Act (2001) requires that an Adviser making personal advice recommendations must have reasonable grounds for

More information

PRODUCT DISCLOSURE STATEMENT. 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376

PRODUCT DISCLOSURE STATEMENT. 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376 PRODUCT DISCLOSURE STATEMENT 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376 SMSF Product Disclosure Statement CONTENTS SMSF Product Disclosure

More information

capability statement Private Wealth

capability statement Private Wealth capability statement Private Wealth 2 Private Wealth CONTENTS Introducing BDO Private Wealth... 3 About BDO Private Wealth... 3 Our Investment Philosophy... 3 Our Beliefs... 3 Our Services... 4 Personal

More information

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super July 2013 Page 1 Contents Category 1 - Permanent and Part Time staff working more than 15 hours per week Benefits in Brief...1 Getting Started...1 Your Investment Choices...2 Benefits of Insurance Cover...2

More information

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand

More information

YOUR LIFE IS ALL ABOUT THEIR FUTURE

YOUR LIFE IS ALL ABOUT THEIR FUTURE YOUR LIFE IS ALL ABOUT THEIR FUTURE Protect your family with Medibank Life Insurance LIFE INSURANCE In store 1300 722 568 medibank.com.au/life 1 Why life insurance? There are some things in life you d

More information

Protecting your lifestyle and your wealth

Protecting your lifestyle and your wealth Protecting your lifestyle and your wealth Life assurance Critical illness cover Income protection Key person and partnership protection Over 30 years experience providing independent pension advice to

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

A Financial Planning Technical Guide

A Financial Planning Technical Guide Insurance and Estate Planning A Financial Planning Technical Guide Securitor Financial Group Limited ABN 48 009 189 495 AFSL 240687 Contents Introduction 1 General insurance 1 Private health insurance

More information

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life.

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life. Personal Personal insurance Protection for all life stages Financial solutions. For life. Contents Protecting your well-being and your family s 3 Why leave anything to chance? 4 Making it easier for you

More information

Wealth and Investment Management. What is wealth? The answer is there is no simple answer

Wealth and Investment Management. What is wealth? The answer is there is no simple answer Wealth and Investment Management What is wealth? The answer is there is no simple answer By choosing a better vantage point we gain a clearer picture Everyone is different. That s why our wealth management

More information

Introducing ANZ Premium Partner

Introducing ANZ Premium Partner ANZ Premium Partner Important notices This brochure is designed to provide a summary and general overview of the subject matter covered for your information only. Every effort has been made to ensure the

More information

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

More information

Building and protecting your wealth the tax effective way

Building and protecting your wealth the tax effective way Building and protecting your wealth the tax effective way Strategies guide 2014/2015 The lead up to End of Financial Year (EOFY) provides a good opportunity to review your wealth creation plans. At this

More information

Insurance and estate planning. A Financial Planning Technical Guide

Insurance and estate planning. A Financial Planning Technical Guide Insurance and estate planning A Financial Planning Technical Guide 2 Insurance and estate planning Introduction 4 General insurance 4 Private health insurance 4 Personal insurance 5 Business insurance

More information

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet Fact sheet Personal insurance Current as at 15 April 2012 What is insurance? Insurance is an agreement with an insurance company to pay you a sum of money if something is damaged or lost. It is form of

More information

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance...

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance... Contents What is insurance?... 3 What types of insurance are there?... 4 Life insurance... 5 Total and Permanent Disability insurance... 6 Trauma insurance... 7 Income Protection insurance... 8 Insurance

More information

Your retirement could have even more going for it

Your retirement could have even more going for it Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could

More information

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid.

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. WHAT IS INSURANCE? It s simply the transference of a risk from yourself to the Insurer. By paying the

More information

We ll help make buying your first home easier

We ll help make buying your first home easier First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out

More information

Your guide to a total solution Ascend self managed super

Your guide to a total solution Ascend self managed super Your guide to a total solution Ascend self managed super The big picture ISSUE 2 - SEPTEMBER 2009 Components of an SMSF If one member only If 2 to 4 members What is a self managed super fund? Member trustee

More information

Equity Release. A guide to our Lifetime Mortgage products

Equity Release. A guide to our Lifetime Mortgage products Equity Release A guide to our Lifetime Mortgage products Introducing Retirement Advantage Previously known as MGM Advantage and Stonehaven, we are a well-established company that can trace its roots back

More information

Life s better when you have a plan

Life s better when you have a plan Life s better when you have a plan FINANCIAL PLANNING. WEALTH ADVICE. INVESTMENT MANAGEMENT. Let s make plans together When making decisions about your financial future, we believe these should be made

More information

Zurich Wealth Protection. Product Disclosure Statement including Policy conditions Issue date: 1 March 2012

Zurich Wealth Protection. Product Disclosure Statement including Policy conditions Issue date: 1 March 2012 Zurich Wealth Protection Product Disclosure Statement including Policy conditions Issue date: 1 March 2012 About this PDS Date of preparation: 25 January 2012 This Product Disclosure Statement (PDS) is

More information

Put your clients on the TTR track

Put your clients on the TTR track RETIREMENT November 2012 Put your clients on the TTR track Adviser guide to transition to retirement strategies About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice

More information

Insurance delivering peace of mind. Your guide to insurance at Plum

Insurance delivering peace of mind. Your guide to insurance at Plum Insurance delivering peace of mind Your guide to insurance at Plum Contents Why insurance matters 2 Types of cover 4 What s right for me? 7 1 Safeguarding you and your family Life is unpredictable. From

More information

PROTECTING YOUR BUSINESS. planning for the unexpected

PROTECTING YOUR BUSINESS. planning for the unexpected PROTECTING YOUR BUSINESS planning for the unexpected Please refer to the last page of this brochure for important information you should know before acquiring any of the products detailed in this brochure.

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

More information

MLC Insurance Enjoy life

MLC Insurance Enjoy life MLC Insurance Enjoy life Enjoy life! Enjoying life is all about living today. But it s not always easy if you are worried about tomorrow. So rather than worrying about what may or may not happen, insure

More information

Make your move for a secure fi nancial future GESB FINANCIAL ADVICE

Make your move for a secure fi nancial future GESB FINANCIAL ADVICE Make your move for a secure fi nancial future GESB FINANCIAL ADVICE ISSUE DATE: 1 July 2012 Who needs fi nancial advice anyway? Financial advice isn t just for those breathing the rarefi ed air. It s for

More information

Zurich Wealth Protection

Zurich Wealth Protection Issue Date: 21 December 2015 Zurich Wealth Protection Product Disclosure Statement including policy conditions This PDS, prepared on 25 November 2015, is provided in two parts: Part 1 Policy information

More information

largeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904

largeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904 largeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904 CONTENTS What is equity release?... 3 How much money could I raise through an equity release?... 4 What

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014 Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.

More information

Life insurance and TPD cover. Protect their tomorrows

Life insurance and TPD cover. Protect their tomorrows Life insurance and TPD cover Protect their tomorrows Life cover and Total and Permanent Disablement (TPD) cover provide you with the comfort of knowing that a lump sum will be paid if you were to die,

More information

Release your equity tied up in your home Equity Release

Release your equity tied up in your home Equity Release Golden Age Equity brochure 14/8/07 14:58 Page 1 Because it,s your life Totally independent professional advice: Release your equity tied up in your home Equity Release Retirement planning Financial planning

More information

Simplifying Statements of Advice. Life Risk example SOA. 9 December 2008

Simplifying Statements of Advice. Life Risk example SOA. 9 December 2008 Simplifying Statements of Advice Life Risk example SOA 9 December 2008 Life Risk Statement of Advice for Frank and Nancy Stoop, Development of the Life Risk example SOA Financial planners, politicians,

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

IS GLOBAL TRADE YOUR NEXT GROWTH PLATFORM?

IS GLOBAL TRADE YOUR NEXT GROWTH PLATFORM? TRADE FINANCE SERVICES IS GLOBAL TRADE YOUR NEXT GROWTH PLATFORM? GLOBAL OPPORTUNITY. COMPETITIVE ADVANTAGE. Markets around the world are opening their doors, and new trading partners are ready to respond.

More information

LIFE, DISABILITY AND INCOME PROTECTION

LIFE, DISABILITY AND INCOME PROTECTION This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 LIFE, DISABILITY AND INCOME PROTECTION * FACT SHEET 6 14 AUGUST 2015 It s vital that you re prepared

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Issue date: 11 May 2014 Product Disclosure Statement This Product Disclosure Statement (PDS) is issued by the insurer, The Colonial

More information

Retirement. Providing solutions for your future

Retirement. Providing solutions for your future Retirement Providing solutions for your future ,,,, We firmly believe that retirement is a time to enjoy the rewards of your lifes hard work and having access to the funds to turn your ideas and dreams

More information

We continually search for better value and choice, and are agile enough to respond to opportunities quickly.

We continually search for better value and choice, and are agile enough to respond to opportunities quickly. We continually search for better value and choice, and are agile enough to respond to opportunities quickly. As a result, our clients become better informed, confident and empowered to reach their financial

More information

Ensuring a healthy, financially secure future for you and your family

Ensuring a healthy, financially secure future for you and your family The Life Plan A Ensuring a healthy, financially secure future for you and your family Discovery Life offers more than just life insurance Discovery Life offers a collection of customisable benefits covering

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

Contents 3 The 360 advantage. 4 LifePlan. 5 Benefits for life. 6 Protection against illness. 7 Added extras. 10 The children s plan

Contents 3 The 360 advantage. 4 LifePlan. 5 Benefits for life. 6 Protection against illness. 7 Added extras. 10 The children s plan LifePlan Brochure 1 smart resolution to safeguard against a reversal of fortune, up to 15 valuable protection benefits and USD7.5 million in life cover could make for 60 years of reassuring stability for

More information

MLC Personal Protection Portfolio MLC Life Cover Super

MLC Personal Protection Portfolio MLC Life Cover Super MLC Personal Protection Portfolio MLC Life Cover Super Product disclosure statement This Product Disclosure Statement was prepared by: MLC Limited ABN 90 000 000 402 AFSL 230694 Issuer of MLC Personal

More information

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

More information

EQUITY RELEASE GUIDE. Everything you need to know about equity release.

EQUITY RELEASE GUIDE. Everything you need to know about equity release. EQUITY RELEASE GUIDE Everything you need to know about equity release. An informative guide from the equity release specialists The informative guide to equity release... Equity release has come a long

More information

Business Start-Up Package

Business Start-Up Package Business Start-Up Package Ireland s Enterprise Bank Everything you need to help your business start and grow When it comes to starting a business, you have a number of decisions to make. One of the most

More information

Zurich Wealth Protection

Zurich Wealth Protection Issue date: 1 March 2015 Zurich Wealth Protection Product Disclosure Statement including policy conditions This PDS, prepared on 4 February 2015, is provided in two parts: Part 1 Policy information Part

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

Contents 03 The 360 advantage. 04 LifePlan. 05 Benefits for life. 06 Protection against illness. 07 Added extras. 10 The children s plan

Contents 03 The 360 advantage. 04 LifePlan. 05 Benefits for life. 06 Protection against illness. 07 Added extras. 10 The children s plan LifePlan Brochure 1 smart resolution to safeguard against a reversal of fortune, up to 15 valuable protection benefits and USD7.5 million in life cover could make for 60 years of reassuring stability for

More information

Your opportunity to be better off. Wealth for Women. from ANZ Financial Planning

Your opportunity to be better off. Wealth for Women. from ANZ Financial Planning Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ s colour blue is a trade mark of ANZ. Item No. 58538 05.2008 W135083 Your opportunity to be better off Wealth for Women from

More information

Everything you need to know about equity release.

Everything you need to know about equity release. Everything you need to know about equity release. An informative guide from the equity release specialists Welcome to the Retiredom guide to equity release. Equity release has come a long way since regulation

More information

NATIONAL STANDARDS FOR FINANCIAL MANAGERS

NATIONAL STANDARDS FOR FINANCIAL MANAGERS NATIONAL STANDARDS FOR FINANCIAL MANAGERS Introduction These National Standards for Financial Managers are an initiative of the Australian Guardianship and Administration Committee and follow from and

More information

Welcome to Finance Shop. Independent Financial Advisers

Welcome to Finance Shop. Independent Financial Advisers F inance Welcome to Finance Shop S hop Independent Financial Advisers Contents Finance Shop - Overview Finance Shop: an overview........... 02 Finance Shop Values................. 03 Retirement Planning..............

More information

#ReachingMyGoals #StartsToday

#ReachingMyGoals #StartsToday About this report The purpose of this report is to provide you a framework for assessing your financial health and, where relevant, trigger further action on your part. We also include insights and practical

More information

Your guide to everyday banking.

Your guide to everyday banking. Your guide to everyday banking. Reimagine the future, with Citigold. Citigold is the wealth management and premium banking service created for clients with over $100,000 invested through Citibank. Our

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement 30 September 2013 ClearView LifeSolutions is issued by ClearView Life Assurance Limited: ABN 12 000 021 581, AFS Licence No. 227682. ClearView LifeSolutions Super is issued

More information

AUSTRALIAN UNITY INVESTMENTS Strong foundations. Innovative approach.

AUSTRALIAN UNITY INVESTMENTS Strong foundations. Innovative approach. Australian Unity Investments 13 29 39 www.australianunity.com.au Victoria Level 4 114 Albert Rd South Melbourne, VIC 3205 New South Wales Level 15 60 Margaret St Sydney, NSW 2000 Queensland Level 4, Suite

More information

Home Loan Refinancing Guide

Home Loan Refinancing Guide Home Loan Refinancing Guide Contents How refinancing works... 3 Steps to refinancing... 4 Choose the home loan that s right for you... 4 Give your loan a regular 'health check'... 9 Aussie is a trade mark

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority Protection for Platform Investors Product Disclosure Statement Version 12, Issued 8 June 2013 aia.com.au Life s better with the right partner Who issues Priority Protection for Platform Investors?

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

Mortgage & Equity Release Guide

Mortgage & Equity Release Guide Edward Wilson Financial Services OVERVIEW Experience We have been advising clients since 1994, and have a wealth of experience for which there is no substitute. As an appointed representative of the Sesame

More information

Truly Bespoke, Truly Independent

Truly Bespoke, Truly Independent Financial Planning Group Truly Bespoke, Truly Independent Cottons Financial Planning Group Ltd is a specialist business; providing financial services and advice to both individuals and companies all over

More information

At a glance. Income Protection. Protection to survive life s ups and downs.

At a glance. Income Protection. Protection to survive life s ups and downs. At a glance Protection to survive life s ups and downs. P r o t e c t i o n f i r s t Why Protection? With Protectionfirst you have peace of mind knowing that you and your family will be financially secure

More information

Your guide to protecting yourself and your loved ones with Aviva

Your guide to protecting yourself and your loved ones with Aviva Your guide to protecting yourself and your loved ones with Aviva Protect what matters most What s the most precious thing in the world to you? There s really only one answer to that the people who are

More information

Personal Insurance. Do I need Trauma cover? a safety. to help get you back on track

Personal Insurance. Do I need Trauma cover? a safety. to help get you back on track Personal Insurance Do I need Trauma cover? a safety to help get you back on track Being able to focus on your recovery after suffering a traumatic event is going to be your primary concern. Having trauma

More information

BUSINESS PROTECTION FROM VITALITYLIFE VITALITY.CO.UK/LIFE

BUSINESS PROTECTION FROM VITALITYLIFE VITALITY.CO.UK/LIFE BUSINESS PROTECTION FROM VITALITYLIFE VITALITY.CO.UK/LIFE SAFEGUARD THE FUTURE OF YOUR BUSINESS OUR BUSINESS PROTECTION PLAN CAN PROTECT YOUR BUSINESS IN THREE WAYS At VitalityLife we believe that business

More information

We provide a truly personal service

We provide a truly personal service We provide a truly personal service Welcome C. Hoare & Co. is a bank which is proud of its heritage but focused on the future. We combine the traditional values of prudence and integrity with thoroughly

More information

Investment Philosophy

Investment Philosophy Investment Philosophy Our unique approach to investment management puts you at the heart of everything we do Wealth and Investment Management Discover a new side to your personality: your investment self

More information

Understanding insurance

Understanding insurance Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published

More information

THE RESPONSIBLE EQUITY RELEASE GUIDE. Everything you need to know about equity release.

THE RESPONSIBLE EQUITY RELEASE GUIDE. Everything you need to know about equity release. THE RESPONSIBLE EQUITY RELEASE GUIDE Everything you need to know about. An informative guide from the specialists Welcome to the Responsible guide to. Equity release has come a long way since regulation

More information

Career transition guide. We empower you. westernpacific.com.au

Career transition guide. We empower you. westernpacific.com.au Career transition guide We empower you. westernpacific.com.au Contents Introduction 3 Coming to terms with redundancy 3 Assessing your financial position 4 Securing employer payments 5 Redundancy and your

More information

Contents 1 Protect yourself and

Contents 1 Protect yourself and Insurance handbook for Sole Traders Auth. No. 75 493 363 262 473 1 November 2015 The information in this document forms part of the Product Disclosure Statement for Cbus Sole Trader Super of 1 November

More information

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super

More information

Understanding Business Insurance

Understanding Business Insurance Version 4.0 Preparation Date: 2 November 2009 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to business insurance.

More information

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future SUPERANNUATION Home Insurance Super fundamentals Foundations for your future As one of your most important financial investments, it s worth understanding how superannuation works. For many Australians,

More information

HSBC Home Loans As individual as you are

HSBC Home Loans As individual as you are HSBC Home Loans As individual as you are Why should you choose an HSBC Premier home loan? Looking to purchase a new home or investment property? Buying a new house is exciting and we are here to help you.

More information

A brief guide to Financial Planning Guide financial planning

A brief guide to Financial Planning Guide financial planning A brief guide to Financial Planningplanning Guide financial Table of Contents Financial Planning The Process of Financial Planning Why do I need a Financial Plan? Do I need a Financial Advisor? Tips to

More information

Self Managed Super Funds

Self Managed Super Funds a guide to Self Managed Super Funds a guide to Self Managed Super Funds 1 disclaimer This ebook has been prepared by EJM Financial Services in conjunction with AMP Financial Planning Pty Limited, ABN 89

More information

Personal Insurance. Do I need Life cover and TPD cover? pr tect. their tomorrows

Personal Insurance. Do I need Life cover and TPD cover? pr tect. their tomorrows Personal Insurance Do I need Life cover and TPD cover? pr tect their tomorrows Life cover and Total and Permanent Disablement (TPD) cover provide you with the comfort of knowing that a lumpsum will be

More information

ANZ E*TRADE Share Investment Loan

ANZ E*TRADE Share Investment Loan ANZ E*TRADE Share Investment Loan Benefits at a glance Combine your money with a bank loan to increase your portfolio. Interest incurred on your loan may be tax-deductible. An optional diversified feature

More information

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Effective 25 June 2014, this document updates the Sum m ary of incom e p ro t ect ion d if f erences in sid e an d

More information