ActewAGL seminars
The changing nature of super – is 45 the new 55?
Super was central to the May budget and if current proposals are legislated, it will be much harder for Australians to maximise the full tax benefits provided by super if they wait until just prior to retirement to do so.
Australians today will need to engage with their super much sooner if they want to maximise their tax benefits and entitlements.
When you combine our changing super environment with our current economic environment – A$40b deficit, global market volatility, record low interest rates and the likelihood of further changes to tax and superannuation – you are presented with some interesting opportunities and challenges.
Join our experienced and trusted experts
To help you make the most of your life savings both now and in the future, our superannuation and investment specialists will share their views on:
- the likely impact of changes to super
- issues and opportunities presented by local and global economic markets.
Who should attend?
This session is suitable for anyone interested in better understanding the proposed changes to super and the potential impact it will have on their life savings – in particular people aged 40 and above.
Investing for your retirement
Investing today is complex, particularly if you’re investing for the long-term.
You can’t afford to expose your life savings to increasingly volatile equity markets – both in Australia and abroad, yet investing in cash while interest rates are low won’t provide the yield your hard earned money deserves.
Many investors today are caught somewhere between an overexposure to equities – and cash investments earning rates below minimum pension levels. Both scenarios present investors with interesting challenges and opportunities.
Join our experienced and trusted experts
To help you better understand the opportunities that exist for investors focused on retirement, our investment experts will share their views on:
- macro-economic risks and opportunities
- how to reduce volatility
- how to access a variety of asset classes
- the little-known asset classes that sits between cash and equities.
Who should attend?
This session is suitable for anyone interested in taking control of their financial future by planning ahead for retirement; and for investors who are unsure of their investments or are concerned about a lack of diversification e.g. Australian equities biased – in particular people aged 50 and above.
Building your wealth while you’re young
Proposed super changes may make it harder for Australians under the age of 40 to build their retirement savings.
Similarly the investment outlook for this generation isn’t nearly as favourable as it once was, with an Australian deficit of $40b, increasing global market volatility and the likelihood of further changes to tax and superannuation.
However, young Australian’s today are much more likely to prepare financially for their future and have at least one advantage over those close to retirement – the benefit of compounding. Small adjustments made to your plans today can have a huge impact on your future.
Join our experienced and trusted experts
To help you maximise the after-tax value of your income our specialists will share their views on:
- creating mortgage efficiency
- protecting your income
- minimising tax and tax effective investing
- super considerations for under 40’s.
Who should attend?
This session is suitable for anyone under the age of 40 still building their superannuation, and with an appetite for investing some of their disposable income in their future.
Planning for a sustainable retirement
While it is likely that proposed super changes will make it harder for Australians to put money into super just prior to retirement, super remains an important and tax effective component of any retirement plan.
By taking action today you can optimise the tax benefits and entitlements provided by super, but it’s important to be aware of the ‘retirement risk zone’ – the period prior to and following retirement when life savings are likely to peak and therefore exposure to sequencing risk (the worst returns in the worst order) and market corrections are heightened.
Join our experienced and trusted experts
To help you plan and visualise a sustainable retirement, our superannuation and investment specialists will share their views on:
- building and safeguarding your super
- navigating the retirement risk zone
- pre-retirement investment strategies
- a variety of super structures.
Who should attend?
This session is suitable for anyone over the age of 45 who wants to optimise their wealth and start preparing for their journey to retirement. You should have investable assets greater than $200,000 – either inside or outside super, and excluding defined benefits.
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