Finance advice
Paul Wilson

Planning for your financial future

By Paul Wilson

Have you factored these steps into your long-term goals?

Blogger: Paul Wilson, founder, We Find Houses Group

For some, the future (ie, retirement) seems like a long way away. For others, the future is just around the corner.

Whatever your age and stage, planning for your future is non-negotiable.

Below I’m going to outline how you can take charge of your future – in a way that’s easy, simple and achievable.

Organise your finances

I can hear a choir of groans already but, yes, you need to organise your finances.

Many people don’t understand what this really means… I'm not talking about nicely organised receipts for the tax man.

Getting on top of your finances means finding out what assets you have, e.g. house, savings and investments.

It also means having a clear picture of how much superannuation you have and when you can access it.

If you are closer to retirement age, it also means knowing when you can apply for the age pension and if you’ll be eligible.

Make a financial plan

The next step is to plan out your finances.

Planning gives you the best chance of achieving financial security and a lifestyle you can enjoy in the years to come.

It also allows you to clarify potential issues and benchmark your current position.

You can also plan for where your needs might change over time. Considerations could include having children, travel, a new car or renovating.

Define your goals and think about how to use your different income sources to fund different stages in your life.

It’s important to plan for the long-term, not just the next five years. Planning now can save you thousands later.

Grow your retirement income

Running out of money is a common fear for retirees, and even Gen Ys as they think about their future.

But there are ways to stretch your income in retirement and ways to plan to have more funds in retirement.

Get advice as early as you can – speak with your accountant about your superannuation and engage an adviser to help with investment strategies.

Diversify your assets into investments that grow over time, like shares or property.

Property is commonly regarded as a great way to build wealth for retirement.

An investment property (or multiple properties) could be the perfect thing to set you up for later in life.

And it’s something that you can work into your financial plan right now.

It’s never too early or too late to take charge of your future. By using the simple steps above you will have a solid start.

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About the Blogger

Paul Wilson

Paul Wilson

Paul Wilson is an Independent Property Investing Expert who's been educating and coaching investors since 2001. Author of 7 Deadly Mistakes Property Investors Make and How to Avoid Them, he also manages www.educatingpropertyinvestors.com.au, www.wefindhouses.com.au, and www.wefindfinance.com.au

Through his books and websites, Paul provides valuable, independent guidance and support by teaching strategies on how you can invest successfully, while protecting yourself from the common mistakes that trap many investors from reaching their full potential.

Paul doesn’t promote cookie cutter strategies, instead he demonstrates how you can create wealth as a property investor regardless of your budget, location, strategy and risk profile. Paul makes his home on the Gold Coast and spends his leisure time enjoying adventures, surf and sun with his wife and five children. Protect and grow your portfolio with knowledge. Contact Paul today for a complimentary consultation: 1800 690 890 and ask for Paul, or email [email protected]

FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Getting finance approved in this tightening lending environment

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