Intergenerational Wealth in Pascoe Vale, Victoria | Investing service

Intergenerational Wealth

Locality: Pascoe Vale, Victoria

Phone: +61 3 9746 7643

Address: 16/39 Essex Street 3044 Pascoe Vale, VIC, Australia

Website: https://igwealth.com.au/

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24.01.2022 Warmest thoughts to you and your family on this holiday from Intergenerational Wealth. Happy Easter! Intergenerational Wealth Building sustainable wealth for generations. Phone: (03) 9326 1594 or (03) 9746 7643... Email: [email protected] Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #family #investments #investment #familyfirst #planningforthefuture #personalfinance #beneficiaries #superannuation #smsf #insurance #melbourne #melbournelife #melbournebusiness #financialfreedom #happyeaster

22.01.2022 Intergenerational Wealth Monthly Market Wrap December 2020 Vaccine hopes surged - Global shares rose 7.7% and 12.2% in hedged and unhedged terms, respectively. Global equities were led on the upside by European equities with the German market up 15% and the French rising 20.1%, both in local currency terms. Positive vaccine trial results from the likes of Moderna and Pfizer were the major catalysts promising a closer end to the coronavirus pandemic.... - Emerging markets rose 5.9% during November in Australian Dollar (AUD) terms lagging developed markets. This was due in part to underperformance by index heavyweight Alibaba which withdrew the planned listing of its subsidiary Ant Financial after a fierce regulatory backlash. - Australian shares outperformed global shares rising 10.2% in November. The market was led by strength from the energy (up 28.4%) and financial (up 15.2%) sectors. Energy stocks rose investors anticipated economic recovery (and higher oil prices) on vaccine news. - The Australian dollar (AUD) bounced back sharply rising 3.4% against major currencies and 4.5% against the US dollar. - Fixed income returns were flat domestically but positive internationally. Despite support from the RBA rate cut domestically this was more than swamped by the surge in risk on sentiment which benefited non-government bonds (that carry the risk of bankruptcy). The Australian market is dominated by government bonds more so than the global bond market. This helped explain the relatively weak returns in the month. For complete article visit: https://www.igwealth.com.au/intergenerational-wealth-decem/ Phone: (03) 9326 1594 or (03) 9746 7643 Visit: www.igwealth.com.au

19.01.2022 Why insurance matters | Types of insurance In a year that has seen so many unexpected events take place it is top of mind for most Australians now more than ever that life does not always go the way we plan, but having a plan in place if things do take an unexpected turn can mean that our health, lifestyle and family are better protected. If you don’t currently have any type of personal insurance cover, or you have not reviewed it with your Financial Adviser for a while, now ...is a good time to do so. Types of insurance There are a few different types of insurance that you should consider, based on what matters to you and what you would most like protected if you were to suffer illness, injury, disablement or premature death. It’s best to discuss insurance options with your Financial Adviser as they can tell you what different types of insurance policies are available, what they cover, and how to structure them in your overall financial plan, based on your individual situation and goals. The types of insurance policies you may discuss are: Life insurance Total and Permanent Disablement insurance Income Protection insurance. Next: The benefits of an insurance policy - Family first The benefits of an insurance policy - Less stress Financial security The benefits of an insurance policy - The difference a Financial Adviser can make If it’s time to consider a personal insurance policy, or you want to review your existing policy, a Financial Adviser is willing and able to assist you. Contact us today Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #family #financialliteracy #investments #financialplanners #familyfinances #buildingwealth #investment #familyfirst #planningforthefuture #planningahead #insurancematters #Lifeinsurance #IncomeProtectioninsurance #tpdinsurance

17.01.2022 Helping your children, financially speaking As a parent you probably have great expectations for your child. They will have everything you had and more! You will consider their every need and make the most of every opportunity to help them get ahead, right? Whilst every parent wants their child to be healthy, happy and financially secure, figuring out how to get them there is another thing. Working with a financial adviser can help you understand options available to financia...lly help your children, and teach them how to take control of their financial future once it is time for you to step out of the equation, and them to step up. Introducing these discussions as a family from early on means you can get help for your children that will serve them well into their future. Savings It’s never too early to start a good savings system. If your child gets pocket money for helping out around the family home, birthday money and other small contributions, you can help them divert some of this into savings and some into spending. Superannuation Once your child begins work they’ll be asked what super fund they want their employer to make compulsory contributions to. Starting working life with a super fund that charges low fees and delivers high returns will make a HUGE difference over their working lifetime. If your child understands what superannuation is and the power of it to build a nest egg, they are going to be much better off in the long run. Investments Many parents want to contribute to a savings or investment fund for their child, if they can afford to do so. A financial adviser can help you to understand the fees, costs and returns of a number of different investment options including investment bonds, trust funds and savings accounts. Intergenerational Wealth Building sustainable wealth for generations. Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #melbournebusiness #financialfreedom #financialliteracy #financialindependence

16.01.2022 UPDATE | Have you got income protection? Income protection changes effective 1 July 2021 Income protection provides a portion of your income if you are unable to work due to injury or sickness for a certain period of time. The portion of income paid could be up to 75% of your salary depending on the policy. Income protection changes effective 1 July 2021 Australian Prudential Regulation Authority (APRA) is the regulator of Life companies in Australia. APRA has determined t...hat the Income Protection polices currently available via financial advisers are too generous in their terms and conditions, with claims paid far exceeding the insurance premiums received over the past decade. For this reason, the way that policies are offered to clients will change in the future. APRA will force insurers to stop offering these types of policies to new clients after 30 June 2021. However, Income Protection policies in place before this date will be able to retain their coverage without any changes to the policy wording, until the policies expire (typically when you turn 65), assuming you retain the policy. In contrast, new Income Protection policies issued after 1 July 2021 will have a different range of benefits and terms and conditions. Early indications from APRA are that these new income protection policies will expire every five years. If enacted, these five yearly policy expiries could mean that some policies holders will be unable to renew, or press pause on this important cover. This could be due to: Someone whose income has stopped (e.g. to raise children or care for aging family members). Someone with variable income (e.g. self-employed in industries experiencing an economic downturn). Changing career or work status (e.g. a previously employed tradesperson becoming a self-employed contractor). These changes may mean that you have lesser flexibility if your work status changes. There is a window of opportunity right now to get a superior income protection policy that won’t exist for new clients after 1 July 2021. Contact our office today Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au

16.01.2022 Nominating your super beneficiary | Who is not a dependant? Generally your parents, siblings or friends who don’t live with you and who are not financially dependent on you or in an interdependency relationship with you, are not dependants. If you do not have a dependant you should direct your super to your LPR and prepare a Will which outlines your wishes.... Next: Nominating your super beneficiary Legal personal representative Intergenerational Wealth Building sustainable wealth for generations. Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au Please like and follow us on social: https://www.facebook.com/igwealth/ https://www.linkedin.com/company/intergenerational-wealth/ https://www.instagram.com/intergenerationalwealth/ Please note: During the holiday season all of our offices will be closed from Fri 18th of December and Re-open Mon the 11th of January. #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #financialliteracy #investments #financialplanners #familyfinances #buildingwealth #investment #familyfirst #planningforthefuture #planningahead #retirementplanning #retirementlife #retirementfinancialplanning #retirement #lifeinsurance #wealthmanagement #beneficiaries #superannuation #smsf #insurance #melbourne #melbournelife #melbournebusiness

16.01.2022 Please note: During the holiday season all of our offices will be closed from Friday 18th of December, 2020 and Re-openMonday the 11th of January 2021. Intergenerational Wealth Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected]... Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #family #financialliteracy #investments #financialplanners #familyfinances #buildingwealth #investment #familyfirst #planningforthefuture #planningahead #insurancematters #Lifeinsurance #IncomeProtectioninsurance #tpdinsurance

16.01.2022 Why insurance matters | The benefits of an insurance policy - Family first You and your loved ones count on your income to enjoy a certain standard of living, which is why insurance is particularly important if you have dependents. It means the people who matter most in your life are protected from financial hardship if you could no longer earn an income. If it’s time to consider a personal insurance policy, or you want to review your existing policy, a Financial Adviser is w...illing and able to assist you. Next: The benefits of an insurance policy - Less stress Financial security The benefits of an insurance policy - The difference a Financial Adviser can make Contact Intergenerational Wealth Today. Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #family #financialliteracy #investments #financialplanners #familyfinances #buildingwealth #investment #familyfirst #planningforthefuture #planningahead #insurancematters #Lifeinsurance #IncomeProtectioninsurance #tpdinsurance

15.01.2022 Little by Little becomes a Lot! WE ARE OFFICIALLY OPEN! - Intergenerational Wealth are excited to announce that we have the keys and we have opened the doors to our new head office in Pascoe Vale. The new office is located in the Urban Business Centre situated in the centre of Pascoe Vale, surrounded by shopping centres, parks, and great access to public transport. We look forward to seeing you soon!... Intergenerational Wealth "Building sustainable wealth for generations". Head Office: 16/39 Essex St, Pascoe Vale VIC 3044 Phone: (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #family #financialliteracy #investments #financialplanners #financialliteracys #familyfinances #buildingwealth #beneficiaries #familyfirst #melbournebusiness #melbournelife #pascoevale

11.01.2022 Why insurance matters The benefits of an insurance policy - Less stress Unforeseen illness, injury, permanent disability, and death it is not nice to think about but it does happen. If it happened to your family it would probably be an extremely challenging time, wrought with emotional stress, and even grief. With personal insurance in place, the financial stress can be reduced, allowing you to focus on getting well, and rebuilding your life. If it’s time to consider a per...sonal insurance policy, or you want to review your existing policy, a Financial Adviser is willing and able to assist you. Next: The benefits of an insurance policy - Financial security The benefits of an insurance policy - The difference a Financial Adviser can make Contact Intergenerational Wealth Today. Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #family #financialliteracy #investments #financialplanners #familyfinances #buildingwealth #investment #familyfirst #planningforthefuture #planningahead #insurancematters #Lifeinsurance #IncomeProtectioninsurance #tpdinsurance

04.01.2022 Check your wealth health FOR FREE with Intergenerational Wealth. Create your own personalised Wealth Report in just 15 minutes and unlock the answers. - How do my finances stack up? - How am I tracking towards my goals? - How long will my money last? - Should I own or rent?... - What risks should I consider? Take the first step and call today! Intergenerational Wealth Building sustainable wealth for generations. Phone: (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #family #financialplanners #familyfinances #buildingwealth #familyfirst #planningforthefuture #planningahead #retirementplanning #retirementfinancialplanning #retirement #personalfinance #superannuation #smsf #melbourne #melbournelife #melbournebusiness #financialfreedom #financialliteracy #financialindependence

04.01.2022 Nominating your super beneficiary | Legal personal representative An LPR is the person responsible for ensuring that various tasks are carried out on your behalf when you die. If you nominate your LPR as the beneficiary of your superannuation, you are nominating the executor of your Will or if you die without a Will, the administrator of your estate. Your Will should outline the proportions and the people you wish your estate, including your super, to go to. For assistance in... how to nominate your super beneficiaries, ask your Financial Adviser to help you get everything in place as you want it to be. Intergenerational Wealth Building sustainable wealth for generations. Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au Please like and follow us on social: https://www.facebook.com/igwealth/ https://www.linkedin.com/company/intergenerational-wealth/ https://www.instagram.com/intergenerationalwealth/ Please note: During the holiday season all of our offices will be closed from Fri 18th of December and Re-open Mon the 11th of January. #financialplanning #igwealth #financialadvice #financialgoals #intergenerationalwealth #financialservices #financial #financialliteracy #investments #financialplanners #familyfinances #buildingwealth #investment #familyfirst #planningforthefuture #planningahead #retirementplanning #retirementlife #retirementfinancialplanning #retirement #lifeinsurance #wealthmanagement #beneficiaries #superannuation #smsf #insurance #melbourne #melbournelife #melbournebusiness

01.01.2022 Intergenerational Wealth would like to wish you and your family a very HAPPY NEW YEAR! Let's make 2021 the best year yet! Intergenerational Wealth... Building sustainable wealth for generations. Phone: (03) 9326 1594 or (03) 9746 7643 Email: [email protected] Visit: www.igwealth.com.au See more