Disclaimer The Advice Exchange Pty Ltd Limited (ABN 55 107 629 194), their officers, employees and agents make no representations or warranties, in relation to the accuracy or completeness of the information or recommendations contained in this presentation and shall not be liable for the damages or in any other way for misrepresentations, errors of fact and opinions suffered by any person who relies on the information, even if The Advice Exchange, their officers, employees or agents have been negligent in compiling this report or in making any recommendations contained in it, except in any case where liability cannot be excluded pursuant to any law. The information contained is this presentation is general advice only and neither represents nor is intended to be personal advice on any particular matter. We have not taken into consideration any individual circumstances and The Advice Exchange strongly suggests that no person should act specifically on the basis of the information contained herein but should obtain appropriate professional advice based upon their own personal circumstances. The information is current as at the date on this presentation. Directors and Authorised Representatives of The Advice Exchange may from time to time have a position on the investments mentioned in this presentation. The Advice Exchange holds an Australian Financial Services Licence number 278937. Registered Office: Level 1, 46 River Street, South Yarra VIC 3141
Why CSP?
Why CSP? 1. Free of external influence • CSP independently owned • AFSL: The Advice Exchange independently owned • No product manufacturer owns any part of us
Why CSP? 2. Act in your best interests: • Over 40 years in business • Fee for service • FOFA compliant
Why CSP? 3. Highly Qualified: • Lachlan St Clair BEc, DipFP, PC.SMSF, CFP, studying: CFA • Tim Hannes: Adv DipFS, PC.SMSF, JP, studying: BBus (FP) • Abraham Aguilan: Adv DipFS, studying: FchFP • Fritzi Casal: Adv DipFP • Lisa Gregory: BEd, RG146 • Samantha Lecky: DipFP – Subjects 1-5
Why CSP? 4. Professional: Members of • Financial Planning Association • Association of Financial Advisers • SMSF Association • Fellow of the Tax Institute of Australia
Revisit CSP’s Buckets Program The Facts: 1. If you draw 5% of your balance as an income stream and inflation is running at 2.5%, you need 7.5% to break even 2. You cannot get 7.5% in cash or Term Deposits; you have to invest in riskier assets e.g. shares The Conundrum: You need shares to boost your return BUT if the share market falls, you will “lose” money. What do you do???? The Solution: CSP’s 3 Buckets program
Revisit CSP’s Buckets Program CSP’s 3 Buckets Program aims to align when you need each income payment with the risk that income payment is exposed to.
Introducing Perpetual Used by CSP since before 2001. Currently deployed as follows: Bucket 2 : Perpetual Conservative Growth Fund: quality diversified fund at the slightly below average end of risk/return spectrum for Bucket 2 Bucket 3 Perpetual Australian Share Fund: quality, broad market Australian Share manager.
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