Regular Savings
One of the easiest ways to build your financial nest egg is to 'pay yourself first' - set aside a certain amount of your pay packet for yourself, before you pay for anything else such as rent or mortgage. This way you make sure that you save regularly. Start by making a budget to work out how much you can afford to save each month.
No matter how little you have, you can start investing for the future. The longer your investment has to grow, the better the results. Even if you can’t afford to invest a large amount, you may be able to start a small but regular savings plan with as little as $100 per month. With the power of compounding interest, you’ll be surprised how quickly you’ll end up with a nice little lump sum that you can use for your future goals such as paying a deposit on that property you want to buy. For more information, please contact the team at Pattinson Financial Services on 1300 466 637.

Lump Sum Investing
A lump sum may come from various sources such as a windfall, an inheritance or even a regular savings plan that you set up for yourself. What is the best way to invest this lump sum? There are a few key things to remember:

  1. Investing is about making your money work hard for you so that it grows over a period of time. Investments can provide returns by earning an income or growing in value or a combination of both. There is a wide range of investment options available. The important thing is to work out your personal investment goals, risk tolerance and your investment time frame.
  2. Depending on your personal situation, the right investment strategy may also deliver tax benefits over time by providing concessionally taxed income.
  3. The risk return trade off i.e., Low risk relates to lower potential returns while higher potential returns are associated with a higher level of investment risk. Some investors are more risk averse than others and may prefer to invest in low interest cash deposits which are perceived as being ‘safe’. Other investors may prefer to earn a higher return over time by investing in ‘higher risk’ growth investments such as shares and property.

We can assist you in choosing an investment strategy that suits your investment goals and time horizons. For more information, please contact the team at Pattinson Financial Services on 1300 466 637.

Children’s Education
Your children’s education is one of the most expensive things you’ll pay for in your life. We can help you set up the right strategy to invest for your children’s future such that the proceeds received may be tax free depending on your personal situation. This will ensure that funds are available at the right time so that you can provide the education you want for your children. The strategy may take the form of regular investing or a lump sum or both.

We can also help to put the right risk minimisation strategy in place to ensure that your children’s future is not compromised, should something happen to you. For more information, please contact the team at Pattinson Financial Services on 1300 466 637.

Pattinson Financial Services Pty Ltd ABN 17 121 851 376 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd
ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523

Tel: +61 2 8850 6888 | Fax: +61 2 8850 6407 | Toll Free 1300 466 637 | PO Box 6253 Baulkham Hills BC NSW 2153

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