Retirement Projection for a Young Couple: $230k Salary, Property Investments & Planning for Age 50

Rob breaks down a retirement projection for a young couple in their late 20s, looking to retire at 50. With a combined income of $335,000 and significant property investments, Rob walks through their financial situation, including debt levels, superannuation contributions, and projected retirement spending.

This scenario takes into account various factors, including Australian residential property market risks and potential returns over time. Will their strategy work, or are they taking on too much risk?

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00:00 Robert introduces himself and the scenario of the young couple.
00:18 Overview of the Couple’s Finances
00:39 Investment Properties & Superannuation
00:51 Debt Situation & Retirement Goal
02:18 Exploring the Couple’s Savings and Income Projections
02:40 The Investment Portfolio & Risk Outlook
03:12 Base Case vs. Pessimistic Scenario Projections
04:01 Adjusting the Pessimistic Scenario
04:22 Analyzing the Risks and Benefits of Property Investment
05:23 Does the Strategy Work?
06:00 Conclusion & General Advice

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Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

00:00 Robert introduces himself and the scenario of the young couple.
00:18 Overview of the Couple’s Finances
00:39 Investment Properties & Superannuation
00:51 Debt Situation & Retirement Goal
02:18 Exploring the Couple’s Savings and Income Projections
02:40 The Investment Portfolio & Risk Outlook
03:12 Base Case vs. Pessimistic Scenario Projections
04:01 Adjusting the Pessimistic Scenario
04:22 Analyzing the Risks and Benefits of Property Investment
05:23 Does the Strategy Work?
06:00 Conclusion & General Advice