OUR CLIENTS CASE STUDIES – GENERATION PRIVATE WEALTh

  
John & Mary Case Study 1.
 
 These clients reduced their mortgage term by 11 years and ended up with an extra $46,900 per year at retirement. This is possible with the correct structures in place.

 

Client’s initial position & target
 
 John, 41 years old, salary:       $78,000 pa

Mary, 40 years old, salary:       $45,000 pa
2 children, 8 & 5 years old

Home Value:                               $600,000
Home loan:                                 $295,000 (repayments of $2,265 per month                                                                                       19 years remaining term)

Cash:             $3,000 

Shares:         $2,000

Living expenses (not including mortgage): $55,000 pa

Superannuation: $803,402 lump sum in future dollars will provide an income                                      of $32,087 pa in retirement (in today’s dollars)

 

Their target at retirement – Income of $65,000 pa in today’s dollars (indexed at 60)

      
Their results with Generation Private Wealth
 
8 years – Debt free home

10 yearsDebt free home + net investments + $112,801
19 years – Debt free home + net investment + Superannuation = $1,579,862

 

Their outcome at retirement was $78,993 pa from superannuation & investments in today’s dollars. 

Barry & Jane Cade Study 2.

  

Client’s initial position & target
 
Barry, 48 years old, salary:       $84,000 pa
Jane, 44 years old, salary:        $47,000 pa
No dependants: 
 

Home value:             $650,000

Home Loan:              Nil

Cash:                          $11,000

Living expenses:      $48,000 pa

 

Currently saving: $5,000 pa

Superannuation: $796,319 lump sum in future dollars will provide an income                                       of $41,500 pa in retirement (in today’s dollars)

Their target at retirement – Income of $75,000 pa in today’s dollars (indexed at 58)

 

Their results with Generation Private Wealth
 
7 years – net investments $649,751

10 years – net investment $917,765

 

At retirement – Deft free home + net investments + superannuation 

$89,281 pa from superannuation and investments in today’s dollars. 

  

Ryan Cade Study 3.

  

Client’s initial position & target
 
Ryan, 21years old, salary:       $45,000 pa
No partner
No dependants: 
Home value:           Nil

Home Loan:            Nil

 

Cash:                        $7,000

Shares:                     Nil

Living expenses:    $22,000 pa

Superannuation: $570,580 lump sum in future dollars will provide an income                                       of $14,194 pa in retirement (in today’s dollars)

 

His target at retirement – Income of $50,000 pa in today’s dollars (indexed at 60)

 

His results with Generation Private Wealth
 
10 years – net investment $176,106

20 years – net investment $570,308

35 Years – retirement, net investment + superannuation = $2,608,554

 

At retirement – net investments + superannuation = $50,699 pa from investment and $14,194 pa from superannuation in today’s dollars. A total of $64,893 pa.

Income Protection - Gold Coast
Generation Private Wealth Team