Pages: 11 (2529 words) /
Published: Sep 9th, 2013
Objective of the document
The report comprises financial advice for Gwen and Fred. You both are 26 and 25 years of age respectively, currently working and enjoy good health. You have sought my advice with an intention of protecting your financial future with an express view of secure financial situation during your retirement. An analysis of your current financial situation is undertaken and based on the information you have provided, advice has been made to best negotiate your expressed financial goals.
My contact details
You can contact me on: (03) XXXX XXXX
My email address is: XXX@qut.edu.au
Postal address: XX Margaret Stree, Brisbane QLD 4000
Synopsis of my advice My advice is | | | I recommend | | * You sell the two houses * Set up cash fund for funding for the expected deficit of over the period when your children are born. * You systematically invest the yearly 50 percent of the surplus of over the in fixed deposit | | * You invests the other 50 percent of your savings to the managed funds | | | | |
Rationale behind my advice
By following this advice you are going to give yourself best chance to maintain your current life style and also improve it in the future. By selling the two houses you will be able to reduce your debt significantly. This will allow you to have significant cash-in-hand, which would provide you financial relief during the early and growing years of your children. You would have bandwidth to include growth stocks in investment portfolio, thereby increasing opportunity to earn profits through stocks.
Risk associated with my advice
The investments I have advised are subject to market risk. The interest rates and inflation play a profound impact on the value of your investment and debt decisions. This is a degree of risk for variance in the expected value.
Areas my advice does not cover:
My advice does not cover the impact of