Pivotal Planning Newsletter Autumn 2016 Addition

WELCOME TO THE AUTUMN EDITION 2016
ASPIRATIONS
YOUR PARTNER IN
MORTGAGE LENDING &
FINANCIAL PLANNING
Anthony Wright
Authorised Representative of
AMP Financial Planning Pty Limited
AFSL No. 232706
Office Number: 07 55200 698

Email: anthony@pivotalplanning.com.au
Website: www.pivotalplanning.com.au
News and Information in this Edition

Would you Caravan?
Pages
2, 3 & 4
6 tips for becoming a senior entrepreneur
Pages
5&6
Not without my smartphone
Pages
7, 8 & 9
How do Transition to Retirement strategies work
Pages
10, 11 & 12
Give yourself a gap year in your 40s
Pages
13 & 14
7 tips on how to retire early
Pages
15 & 16
5 ways to make your life more simple
Pages
17, 18 & 19
ASPIRATIONS AUTUMN EDITION 2016
Would you caravan?
Online source: Produced by AMP Life Limited and published on 28 July 2015. Original article.
Print source: By AMP Life Limited, originally published on 28 July 2015 on amp.com.au/insights
If you're thinking about taking the family on a great Aussie adventure or perhaps considering buying a caravan to see out your golden
years, read on to find out what you need to know.
Did you know that 85% of Australians have been either caravanning or camping at least once in their life? 1 And 73% of buyers cite seeing
more of Australia as their main reason to caravan? But its not just all about long, lazy days in the sun some Aussies want to travel by
caravan to do casual work on the road to early retirement. 2
And, with the Aussie dollar no longer at its strongest the price of a local holiday has become much more appealing than an overseas
holiday.3
Whatever your reason, there are lots of things to consider before you pack the family, the dog and the esky in your caravan. Here are
some of them.
Think about why you want a caravan
Is it to replace future holidays (43% use their RV 5 to 10 times per year4) or for the occasional weekend away? If its the latter,
rent one instead of buying and put the cash towards something else.
Decide if you want a new caravan or if a second-hand one will do. This will help narrow down your budget and choice of vehicle.
Do you have somewhere to store a caravan? Will you need to update or replace your car to safely tow it?
Caravan, motorhome or something else?
Consider which rig is right for you. Choose from a caravan or motorhome, a campervan, camper trailer, a fifth wheeler or a tent
which can range from 3 to 10 metres in length.
If you choose a caravan, can you tow it safely? If youre not sure, dont panic there are caravan towing classes available to help
you hone your skills, long before you get behind the wheel!
Why not rent a similar caravan first to make sure you feel comfortable with driving it before putting down a deposit on a new
one?
What else to consider
If you want to ensure the caravan has no money owing and is not stolen, buy from a licensed dealer.
Check the caravan has an Accreditation Key displayed the key is a symbol that the product meets Australian Design Rules,
Australian Standards, and the industry Code of Practice and it can be found by the door of those accredited products.
Where to camp
Check camping and caravanning guides, websites or magazines to help you do your research before you start out (see Sources
at the end of this article).
If you want a campsite with facilities (shower, toilet etc), book into caravan parks, national parks, state forests or even some rest
areas.
Travelling with pets
If you have your moggy or doggy with you, you cant stay in national parks, but some caravan parks and council sites will let you
book in with your furry friends.
Who will look after the house?
If you dont have a friend or relative to mind your house, consider booking a free house sitter through websites such as Aussie
Housesitters where you can search for a sitter, view their profile and ask for references or police checks.
Get your affairs in order
Take out car and caravan insurance but dont forget to maintain your house and contents insurance, health cover and personal
insurances.
If youre going to be away for some time, set up direct debits to pay your bills and redirect your mail if no-one is collecting it for
you.
Need help?
Speak to us today and we can plan your trip together.
Happy caravanning!
1,4
Caravan Industry Association of Australia: http://www.caravanindustry.com.au/research
http://www.thegreynomads.com.au/lifestyle/working-as-you-go/on-the-road-to-retirement/
http://www.smh.com.au/business/the-economy/economists-say-get-used-to-more-expensive-overseas-holidays-as-aussie-struggles-20150706-gi6a1i.html
Sources:
Guide books: Caravan Parks (Australia wide), Camps (Australia wide)
Magazines: Caravan World, Caravanning Australia
Websites: Caravanning Australia www.caravanningoz.com.au
Lets go: Caravan & Camping - http://www.letsgocaravanandcamping.com.au
The Grey Nomads - www.thegreynomads.com.au
Apps: Caravanning Australia; Camps Australia Wide
AMP Life Limited. This provides general information and hasnt taken your circumstances into account. Its important to consider your particular circumstances before
deciding whats right for you. Although the information is from sources considered reliable, AMP does not guarantee that it is accurate or complete. You should not rely
upon it and should seek qualified advice before making any investment decision. Except where liability under any statute cannot be excluded, AMP does not accept any
liability (whether under contract, tort or otherwise) for any resulting loss or damage of the reader or any other person.
Six tips for becoming a senior entrepreneur
Retirement is not a destination, it's another stage in life's journeyand that's never been truer than today, as many over-50s
are rejecting the quiet life and starting their own businesses.
Do you want to do the same? Groups such as Elderberry, SeniorPreneurs Foundation, The Seniorpreneurs Network, National Seniors and
OverSixty have sprung up to help you get started and connect with others on the same path.
You have to find your purposewhat youre here for, know yourself and follow that, Elderberrys Suzie Graham says. Being involved,
creating something new and giving back gives you fresh energy and purpose. No one should be defined by their age.
Thats exactly what Suzie has done, leaving her previous role two years ago to go out on her own. She is passionate about helping people
cope with change, especially keeping up with the digital age.
She is now involved in a number of projects, including being a board member of vibewire, a mentor at Elderberry, a co-founder and
director of One Million Acts of Innovation Australia, a founding trustee of The Awesome Foundation Sydney and a change consultant to
charitable foundations.
Not ready to retire to the armchair yet either? Here are some tips from Suzie for becoming an entrepreneur.
1. Do what you love

Whatever you love doing, find a way to be involved in that, at whatever level, she says. If it interests you, it wont feel like work, it will
be your passion. If you follow that, you will reap the rewards financially, mentally and emotionally.
2. Seek out a community of like-minded people

Find people who share your interests, no matter what age they are, she says. Bouncing ideas off people you trust and others with
experience in areas you may not know well can lift your idea off the drawing board and into reality. Use places such as Hub Australia, a
co-working community for small businesses.
3. Start small and work up

Suzie has launched a number of ventures by taking small steps and testing along the way to see if the idea works. That way you can
adjust your idea quickly as you learn what your market wants and if you fail, the cost is kept low and you can move quickly to the next
project idea, she explains. You also shouldnt risk everything on the one idea.
4. Go digital and use social media

Its not just that everybodys on the internetthe whole of your business is going to be run on a digital platform, Suzie says.
The online world offers a wonderful way to get your messages out and to find and work with everyone from suppliers to customers and
colleagues. Its also the only efficient way to keep track of what your customers are saying about you and the market you are in.
The importance of this form of business and marketing communication cant be understated for a start-upits how you engage in
online conversations to find out what customers are looking for and build your new community.
5. Explore new funding sources

This means connecting with incubators, which help start-up companies by providing services such as management training or office
space; sourcing investment funding from groups such as Pollenizer and even exploring crowd-sourcingsoliciting money from a large
group of people, usually online.
6. Organise your finances

This is critical for anyone starting out in business, no matter what your age. Though it becomes even more important when your savings
are on the line and your earning prospects are diminishing. There may also be tax implications that affect your government entitlements.
People like Brendan Ryan at entitlemate are tackling this whole area, Suzie says. Brendan is working at consolidating all of the best
financial information to make it easier for people to make decisions based on what their situation is.
Whatever your situation, speak to us to learn more about your retirement options.
Not without my smartphone
The nation's fixation with logging on has people glancing at their devices more than 440 million times a day.
Digital devices in Australia have not only changed the way we communicate, but how we socialise, plan, work, transact, access
information and entertain ourselvesnot to mention, multi-task!
The advancement of digital technology has also given rise to improvements in education, personal development and, in some ways,
reduced our impact on the environment, such as reducing our reliance on printed material.
The rapid evolution of the mobile phone is a prime example, with the brick phones of the late 80s, which cost over $4,000 a pop1, now
replaced by affordable, pocket-sized mini computers offering 24/7 connectivity.
With around 80% of Australians in possession of a smartphone today 2 and the marketplace of digital devices continuing to grow, we
look at what impact digitisation is having on our daily routines.
Digital activity in Australia

Figures from a 2015 report published by The Australian Communications and Media Authority show:
92% of people are internet users
54% of internet users engage in blogs and online communities
68% use three or more devices to go online and 23% use five or more devices
70% connect via mobile, 68% via laptop, 62% via desktop computer and 50% via tablet
49% of employed people work in some form of digital capacity
10.85 million people made an e-commerce transaction within a four-week period.
Figures from the Australian Bureau of Statistics show that the most popular use for the internet is educational activities, particularly
among older children. A recent study by Deloitte also highlighted that 340,000 terabytes of data is being downloaded every month in
Australia and that figure is increasing.
Obsessive behaviour
The fascination with smartphones reflects a craving to connectparticularly with one third of the population checking their device
within five minutes of waking up in the morning3.
The fixation with logging on, coupled with the growing fear of missing out, has Australians looking at their smartphone more than 30
times a day on average56 times a day for younger adults and more than 440 million times a day collectively 4.
Devices and apps are simplifying, yet encroaching on everyday life, with 88% saying they use a device on public transport, 92% at work,
88% when talking with friends, and alarmingly 42% while driving5.
Online transactions
While people may be looking at their phones more than whats going on around them, digital devices in many respects are saving us
time and making things easier.
For instance, more people are banking, conducting financial activities and purchasing goods and services6 online, and this is also driving
new mobile, online and smart-pay systems7.
However, cyber security is still a perceived concern for some people, despite 40% of smartphone users making an online payment in the
past year8.
AMP has taken steps to ensure our customers online experience is a safe and secure one. Plus, we enable you to access financial
information your wayvia smartphone, tablet or desktop computer.
On the bandwagon
While older generations have been slower to adopt online devices in comparison to younger age groups, thats quickly changing.
More than 25% of people over age 55 are now using smartphones to connect via social mediaa 45% increase on 2014. And 95% of all
users, including grandma and grandpa, are using smartphones to take photos, including selfies9.
The speed at which technology is changing is undeniably excitingand at timesoverwhelming. The evolution of smart game consoles,
TVs, watches, digitised cars and fitness bands are proof that the expansion of the digital marketplace is not slowing down.
And, if you look at Australias take up rates, it doesnt appear that our appetite for new technology is waning either.
The Australian Mobile Telecommunications Association

Mobile Consumer Survey 2015
3 Deloitte Mobile Consumer Survey 2015
6 The Australian Communications and Media Authority
2 Deloitte
How do transition to retirement strategies work?
Online source: Produced by AMP Life Limited and published on 23 March 2016. Original article.
Print source: By AMP Life Limited, originally published on 23 March 2016 on amp.com.au/insights
A transition to retirement strategy could allow you to work less, or work the same hours and increase your superannuation, without
reducing your take-home pay.
Even if youre nearing retirement age you mightnt be looking to leave the workforce just yet. Maybe you want to save more money or
perhaps you enjoy the interaction and mental stimulation.
Whatever the reason, a transition to retirement (TTR) strategy could provide financial flexibility as it enables you to access a portion of
your super while continuing to work full-time, part-time or casually.
We answer some of the commonly asked questions about TTR strategies.
Whats a transition to retirement strategy and how does it differ to other options?
Generally, you can access your super under a TTR strategy when you reach your preservation age. This will be between 55 and 60
depending on when you were born.
A TtR strategy will allow you to access up to 10% of your super through periodic payments. And, if you want to keep working, you can also
continue receiving an income from your employer.
Usually, your two options with a TTR strategy include either working less, or, working the same hours while sacrificing some of your salary
into super. In both cases, you can use your TTR pension to supplement any reduction in your take-home pay.
If, after you reach your preservation age, you decide youd rather retire from the workforce, you can take your super as a lump sum or
move your super into an allocated pension (also known as an account-based pension). This provides you with a regular income stream in
retirement and youre not limited to what you can withdraw.
What are the transition to retirement tax benefits?

Up to age 60, the taxable amount of your income from a TTR pension is taxed at your marginal tax rate, less a 15% tax offset. Then, once
you turn 60, the income you receive from your TTR pension will be completely tax-free.
Because of the different tax treatment that applies to a TTR pension, compared to the way employment income is taxed, you could boost
your super using tax-effective salary sacrifice contributions while topping up your income with a tax-effective income stream.
So, by replacing some of your salary with income from a TTR pension, you can draw a smaller amount from super and receive the same
amount in your pocket. This means that your super savings should still grow each year.
You can see how TTR strategies work in practice in these examples.
Are there limitations to how much I can withdraw?

With a TTR pension, you can withdraw between 4% and 10% of your super account balance each financial year.
Its also worth noting that a TTR pension, like an allocated pension, is based on the amount you have saved in your super. It does not
guarantee an endless income.
To ensure you dont outlast your money, our super simulator and retirement simulator can help.
What else do I need to consider?

There are a number of things to think about when it comes to TTR strategies. Speaking to an adviser could go a long way to ensuring
youre across the tax implications. Other suggestions1 include:
Checking your super fund, as not all funds accommodate TTR pensions
Figuring out whether you want to reduce your work hours or work full-time and salary sacrifice
Knowing your income sources and calculating your income needs
Finding out what your social security entitlements are, as there may be implications
If you have life insurance through your super fund, checking it wont be affected in any way.
Wheres the rest of the population at?

Not many people do the sums, but research shows the retirement savings shortfall per person in Australia, excluding the governments
Age Pension, is on average around $187,200.2
With the increase in life expectancy, more people are accepting they may need to work longer, with nearly 40% of Australians aged 45
and over indicating they intend to move into part-time work before retiring, and 31% intending to continue working full-time.3
Where can I go for more information?

Theres a lot to think about when approaching retirement and a lot of options to consider.
To learn more about TTR pensions, talk to us.
ASIC MoneySmart website

Retirement Savings Gap at 30 June 2014 - Financial Services Council / Rice Warner
3 Australian Bureau of Statistics
2
Give yourself a gap year in your 40s
Imagine taking a year to volunteer abroad on a conservation project or to build houses for the poor. Or you may wish to
share the skills you've learned with others or learn a new skill yourself...
Gap years are not just for school leavers. You can take one at any age.
Some companies even have sabbatical programs that encourage staff to take time out of their jobs to further their education, travel or
find other ways to increase their value.
There are so many possibilities!
Choose your own adventure

What will it be? Conservation project, learning, teaching or even just taking off on a great adventure?
Once youve decided what to do with your gap year, its then a matter of research. Plenty of companies, such as Gap Work and GVI
Australia, focus on providing gap year experiences, or you can plan it yourself.
Be prepared to travel
No matter what you decide to do, usually your gap year will involve at least some travel.
A real benefit of being free of the shackles of employment is that you will be able to spend time exploring your location.
There will be time to find the spots only the locals know or take those side trips to special out-of-the-way places.
You also may have the opportunity to do something a little more daring than relaxing in a resort, be it bungee jumping, sailing or trekking
in the Himalayas.
Do something good for others

Do you want to give something back?
You could choose to do this overseas in disadvantaged areas, where you can work alongside local people to improve the quality of their
lives.
This can be a truly rewarding experience...
Taking part in conservation projects, teaching and building or working at orphanages are other popular options, but there are many more
things you can do. Its just a matter of choice.
Add to your skills

Broadening your education is another way to get the most out of your gap year.
You can combine travel and study by choosing courses offered abroad, like learning a language or teaching English. Or start a postgraduate course that may be more in line with your intended future career. Another thought is to expand your technical and practical
knowledge like enhancing your culinary skills through Le Cordon Bleu.
Make it happen
Once youve decided what you want to doand when you'd be able to take time output a savings plan in place and explore your
options for funding your break. Consider how your money could be put to work while you take time off, and how youll create an income
when you return.
If taking a whole year off doesn't seem possible at the moment, consider taking a week or even a month instead. And in the meantime,
work towards saving a lump sum that could help you take more time off down the track.
And were here to help to plan and make your gap year a reality.
7 tips on how to retire early
Online source: Produced by AMP Life Limited and published on 15 March 2016. Original article.
Print source: By AMP Life Limited, originally published on 15 March 2016 on amp.com.au/insights
Are you dreaming about early retirement, but unsure how to go about it?
You might be surprised to learn that Aussies are retiring earlier, with 25% of men retiring before age 55 and 50% retiring between 55 to
64 years. For women, the figures are higher, with 55% stopping work before they reach 55 and 36% retiring between the ages of 55 and
64 years1.
But while these figures sound encouraging, one in three people between the ages of 18 to 64 years still think retirement is too far way to
plan for2.
So if your goal is to retire early, how can you put in place a plan and make sure youll have enough money to live on?
Here are seven tips to consider:

1.
Have a clear goal youre striving for
2.
Have a financial roadmap. Its a good idea to map out things like your financial goals, major payments, health care needs and any
government benefits youll be able to receive at different stages in your life. Part of the roadmap could be ensuring you have a
solid credit rating and looking at how you can cut back on the more optional expenses over time so you can wind down work.
3.
Live modestly. Get serious about living more modestly, to spend less money and save more. Do other things like signing up for
DIY courses to fix things yourself instead of paying to have them done.
4.
Invest wisely. You could generate income through avenues such as rental properties or your own online business. Or downsize to
a smaller house and invest the proceeds. Get professional advice first to navigate through the legal, tax or financial issues,
including whether it will affect your ability to receive the government Age Pension.
5.
Manage your debt. The number of people over the age of 65 who are still paying off a mortgage has increased by 54% in recent
years3. So consider refinancing or consolidating your debts sooner rather than later to reduce interest, fees and charges. Its no
using trying to save for an early retirement if you still have debt hanging over your head. Find out more about how to pay off
your debt.
6.
A little salary sacrifice goes a long way. The more you can put into your super, the sooner you may be able to retire. By salary
sacrificing some of your before-tax income and putting it into your super, youll generally only be taxed at 15%, which is lower
than most peoples income tax rate. Try our salary sacrifice calculator to find out how much this could make a difference.
7.
Make your after-tax dollars go the distance. If you make personal after-tax contributions to your super, you could be eligible for a
government co-contribution of up to $500 per year4 or your spouse could receive a tax offset by contributing to your super on
your behalf.
Roy Morgan 6238.0-Retirement and Retirement Intentions, Australia, July 2012 to June 2013
http://www.roymorgan.com/findings/6634-long-term-nature-of-super-negative-impact-on-engagement-201601192225
http://www.finder.com.au/press-release-when-youre-64-will-you-still-be-in-debt
https://www.ato.gov.au/individuals/super/in-detail/growing/super-co-contribution/
5 ways to make your life more simple
Online source: Produced by AMP Life Limited and published on 11 December 2015. Original article.
Print source: By AMP Life Limited, originally published on 11 December 2015 on amp.com.au/insights
Time passes by so quickly that sometimes before we can cross the first item off our to-do list we've already added another.
Here are some easy steps you can take to help simplify your life.
If managing lifes everyday complexities only seem achievable when youre daydreaming about the chef, cleaner, personal assistant or
nanny that you dont have, youre probably not alone.
And, if turbulent is the way youd describe your day-to-day routine, these tips may help you get back the hours you need for the things
that matter most.
1. Organisation the Holy Grail

Planning yours or the familys life can take a lot of headspace so its important to unload your brain and write things down and with
technology on your side; being organised doesnt have to mean being old school.
There are plenty of great digital apps available to help you and your family stay on track, some of them allow you to share lists and
calendars across all of your devices.
And when it comes to being organised, less can often be more. Why not keep your mail and filing to a minimum by switching to online
statements? Going paperless is faster, more convenient and better for the environment.
2. Manage your money

Being busy can often be a good excuse to put off small tasks that can help you be better off financially the key is to start small and pick
off the easy jobs.
A great first step is to create a budget, start with our budget planner calculator. Be realistic, dont spend what you havent got and
automate bills and savings on or near pay day to ensure youre left with just the right amount of spending money.
Another easy task is consolidating your super. Most of us can say that weve changed jobs or moved homes at least once in our lives and
this can often result in losing contact with your super fund/s. Having your super in one place means you can stay on track of your
retirement savings and avoid multiple fees and charges.
3. Work on the inside out

Keeping a focus on your own health and wellbeing may help curb disruptions like illnesses. A balanced meal plan, getting enough sleep
and regularly blocking out time for physical activities like the gym or a walk in the park may help with a range of things like increasing your
endorphins or improving your mood and energy levels.
If finding the time is a pressure point, consider services like Hello Fresh or Lite n Easy to take care of your meals for you remember,
there are plenty of options and providers so make sure you shop around to find the best one that suits your needs.
Also look at incidental exercise opportunities in your daily routine like getting off the bus or train one stop early and walking the rest of
the way.
4. Let someone else do it

If all else fails, outsource. Supermarkets now deliver to your doorstep, so you no longer have to waste hours on the weekend trawling the
aisles.
And, dont forget to delegate. For odd jobs you need help with, check out Airtasker, an online marketplace where you can outsource
anything from tidying up your resume to assembling Ikea furniture. Or reach out to the family, older kids can get away with doing more
sophisticated chores like mowing the lawns or washing the car.
5. De-clutter your home and mind

A tidier home, car, wardrobe and work station can make a big difference. Research reveals that crowded physical spaces impact your
ability to focus and relax1. An added bonus is when you have a place for everything; youre also less likely to misplace your keys.
Your mind may benefit from space as well. Disconnecting from your phone, emails and social media can be essential for your health,
wellbeing and sanity. Venture outside or listen to some good music, catch a comedy or see a friend uninterrupted. Its important to factor
in time for yourself.
We can help you take the load off

Finances can take up a big part of your life, speak to us to explore some of your options. Taking care of your finances may help free
yourself up to do more of what you love.
1
https://unclutterer.com/2011/03/29/scientists-find-physical-clutter-negatively-affects-your-ability-to-focus-process-information/
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WELCOME TO THE AUTUMN EDITION 2016

Office Number: 07 55200 698

News and Information in this Edition

6 tips for becoming a senior entrepreneur

Not without my smartphone

How do Transition to Retirement strategies work

Give yourself a gap year in your 40s

7 tips on how to retire early

5 ways to make your life more simple

ASPIRATIONS AUTUMN EDITION 2016

Would you caravan?

ASPIRATIONS AUTUMN EDITION 2016

Think about why you want a caravan

Caravan, motorhome or something else?

What else to consider

Travelling with pets

Who will look after the house?

Get your affairs in order

ASPIRATIONS AUTUMN EDITION 2016

Caravan Industry Association of Australia: http://www.caravanindustry.com.au/research

Guide books: Caravan Parks (Australia wide), Camps (Australia wide)

Magazines: Caravan World, Caravanning Australia

Websites: Caravanning Australia www.caravanningoz.com.au

Lets go: Caravan & Camping - http://www.letsgocaravanandcamping.com.au

The Grey Nomads - www.thegreynomads.com.au

Apps: Caravanning Australia; Camps Australia Wide

ASPIRATIONS AUTUMN EDITION 2016

Six tips for becoming a senior entrepreneur

ASPIRATIONS AUTUMN EDITION 2016

1. Do what you love

2. Seek out a community of like-minded people

3. Start small and work up

4. Go digital and use social media

5. Explore new funding sources

6. Organise your finances

ASPIRATIONS AUTUMN EDITION 2016

Not without my smartphone

ASPIRATIONS AUTUMN EDITION 2016

Digital activity in Australia

92% of people are internet users

54% of internet users engage in blogs and online communities

49% of employed people work in some form of digital capacity

10.85 million people made an e-commerce transaction within a four-week period.

ASPIRATIONS AUTUMN EDITION 2016

The Australian Mobile Telecommunications Association

ASPIRATIONS AUTUMN EDITION 2016

How do transition to retirement strategies work?

ASPIRATIONS AUTUMN EDITION 2016

What are the transition to retirement tax benefits?

Are there limitations to how much I can withdraw?

What else do I need to consider?

Knowing your income sources and calculating your income needs

ASPIRATIONS AUTUMN EDITION 2016

Wheres the rest of the population at?

Where can I go for more information?

To learn more about TTR pensions, talk to us.

ASIC MoneySmart website

ASPIRATIONS AUTUMN EDITION 2016

Give yourself a gap year in your 40s

Choose your own adventure

ASPIRATIONS AUTUMN EDITION 2016

Do something good for others

Add to your skills

ASPIRATIONS AUTUMN EDITION 2016