Yes Better returns are very possible & compared to current term deposit rates

and recent meetings with clients suggest they want a very doable 5%.

Now RBA says wait and see
The RBA has held interest rates steady at its final meeting for 2019, but there are growing expectations of a cut early in the New Year.              (Australian 3/12/2019)

Yes there are MANY Approved options to help you thrive in 2020.

1. E.g. Monthly Income Trust received a net rate of return equivalent to 7.12% p.a for the month of November 2019.

2. E.g. Enhanced Cash received a net rate of return equivalent to 3.96% p.a for the month of November 2019.

3. E.g. A ~5% income from a non share based fund.

When we combine the above returns then we have the very doable 5% returns & these 3 funds are NOT share based.
                                       all subject to usual disclaimers *******

4. Of course fundamental for the 76% of retirees is to Estimate entitlements to see if a client is eligible for an immediate increase in the Age Pension due to Centrelink changes from 1/7/19.

5. There are other and more dare I say 'sexy' current returns and these three arrived in just one morning this week.

E.g. The Fund has delivered investors a +22.1% return in the last 12 months, which compares very favourably to the Fund’s benchmark return of +16.3%.*
                       all subject to usual disclaimers *******

E.g  Global fund PERFORMANCE AS AT NOV 30, 2019
                                     6 MONTHS                  1 YEAR              SINCE INCEPTION^* (1/11/ 2018).
TOTAL RETURN**    +16.3%                        +31.1%                        +29.6%
PERFORMANCE AS AT NOV 30, 2019 BENCHMARK MSCI AC World Index
                                        all subject to usual disclaimers *******

E.g. Another Global fund Rolling Return
Since inception                 5 years                    3 years                 1 year                     CYTD %
    11.05%p.a.                   10.99 %p.a.               11.73 %p.a.         23.37%p.a.                    30.34
                                all subject to usual disclaimers *******

E.g. A small companies Australian fund Performance as at 30th November 2019
       1m                 FYTD            1yr              3yr p.a.                   Inception p.a. (1/6/2005)
Fund ^ 2.9%            5.2%          14.3%          11.6%                     10.8%
                all subject to usual disclaimers *******

There are 500 other approved options to construct a personalised portfolio all subject to usual disclaimers *******

6. This report from a local real estate office this week for a local suburb is NOT one of them unless you want to live in it yourself and after having read “Rich Dad Poor Dad.
                           Median House Sale Price $785,000
                               -3.1% change vs. last year

7. A capital Guaranteed return better than current bank T.D for 1 to 5 years.


Yes a lower risk diversified basket of funds does make this very possible & doable 5% subject always to you comfort zone.

Yes Dream Holidays need planning & then they need better income to maximise the fun moments.

PM oThis email address is being protected from spambots. You need JavaScript enabled to view it.as others do & meet here as others do to optimise your financial position.

IE What is on the 2020 bucket list to thrive & enjoy fun.


John McAuliffe

John Michael McAuliffe AFA, DipFp., BSc., DipTeach.

John is a Premier Wealth Coach & Financial Strategist. John McAuliffe Authorised Representative No.238629 of The Financial Link Group Pty Ltd

RISK and INVESTMENT ADVISORS AUSTRALIA PTY LTD.