Establishing Financial Security

Six key elements every client should master.

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INVEST IN YOURSELF

You are the producer of wealth.

Your education, skills, work and decisions are the most valuable assets you will ever own.

Continue to enhance your skills through ongoing education, training and development.

Remember, knowledge doesn't weigh anything and cannot be wiped out in a stock market crash.

PAY YOURSELF FIRST

Put away a little each month.

There will always be a queue of demands on your money, whether it be spouses, children or bills.

They will continue to make demands on your income long after you have stopped working.

Aim to ensure still be able to meet this demand by reversing the process and putting some money away for the longer term each month before dealing with the other demands.

MANAGE RISK

Know when to be careful and when not to put all your eggs in one basket.

Never gamble on the 'sure deal' or the 'next best thing' and remember where an opportunity sounds too to be true, it probably is.

Make sure to do your homework and ask a professional for advice, that's what they're there for.

Diversity, diversify, diversify: spread your risk & benefit from market opportunities across the many and varied sectors

PROTECT YOURSELF & YOUR LOVED ONES

You are a precious commodity.

Most valuable asset you ever have. If you had a machine that could generate the same amount of income as you do, you would probably insure it in case it broke down, right?

Insure yourself against life's nasty little surprises - serious illness, disability or early death. If the worst happens no one will regret "wasting" money on insurance that you'll "never need".
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BORROW SPARINGLY

 What do you really need to borrow for?

Money lenders are not charities, they are in it for the profit. They get that from borrowers. If you must, only borrow for the larger purchases or items of lasting value such as a home or children's education.

Avoid borrowing the short-term gratification(e.g. holidays and shopping).

LIVE SIMPLY TODAY...

...To be more comfortable tomorrow.

Human beings are not genetically programmed to see risks in the future. When we are younger or in our middle-age we do not foresee the danger and agony of being in poverty when we are old. Most people realise this when it is often too late.

​Live a simpler life for a happier tomorrow and avoid wasting money.