Control where your money
is going instead of
wondering where it went
What is your personal net worth?
What you own as at
% of total assets
Cash bank accounts
Cash management trust
Commercial investment property
Fixed interest investments
Managed property (eg unit trusts)
Residential investment property
TOTAL INCOME PRODUCING ASSETS (A)
TOTAL NON-INCOME PRODUCING ASSETS (B)
TOTAL ASSETS (C) = (A+B)
* Whilst these items are listed as assets, they should be seen as liabilities from a wealth perspective as they require maintenance and repair.
What you owe as at
% of total liabilities
Business bank overdraft
Credit card balance
Margin loan facility
TOTAL LIABILITIES (D)
YOUR PERSONAL NET WORTH = (C - D)
Non-income producing assets*
Income producing assets
By completing this simple table, you can find out how much you're really worth.
What would happen to your family if
you died tomorrow?
Term Life insurance provides a lump sum payment on death
or (in most cases) diagnosis of a terminal illness.
If you do not have adequate Term Life cover to protect your
family in the event of your death, talk to your financial
adviser about your options.
*As a general rule of thumb, any annual income requirement is multiplied
by 10. This represents the amount of capital to be invested and an
income drawn from the investment.
How many months could you survive
without your income?
Income Protection provides a monthly benefit in the event
that you are unable to work due to an illness or injury.
The maximum amount you can insure is 75% of your
The survival period calculated indicates that you and your
family will be able to survive ____ months without your
income. The average claim period is 86 weeks. Source: AC&L.
What would happen to your family if you could not
work for 3 months? Ask your financial adviser ho