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Book a FREE consultation
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Get started with a free strategy consultation and receive a copy of the Good Fortune Guide – written by James McFall, Managing Director Yield™ FP and 2020 National Finalist Certified Financial Planner of the Year to help educate you on your Financial Plan.

Using Home Equity to Maximise Financial Goals & Commitments for Retirement

financial goals and commitments for retirement

A Yield Client Case Study


$46,000 est. tax savings from concessional super contributions



$117,550 gain made at 65 investing approx. $180,000 over time


$1,400 – $1,974 co-contribution and spouse contribution benefit

Financial Planning

$184,854 financial position improvement at age 90, including recommended life insurance

Overview – Aligning all Financial Commitments

We overlayed a ‘debt-washing’ strategy that involves repaying non-deductible debt and redrawing these funds in a separate loan facility for the purpose of investment.

This helped to ensure the deductibility of any interest paid as a result of the investment, combined with looking over all financial commitments and goals they had.

The couple in their late 40s wanted to increase their nest egg for retirement and get advice on:

  • Utilising their home equity for investment and a kitchen renovation
  • If they were utilising their surplus cashflow effectively
  • Updating their insurance for transition to retirement
  • Taking advantage of the historically low interest rates in Australia


Our analysis indicated that by undertaking our recommended strategy, our clients could retire at their desired retirement age of 65, with an improved cash position of $184,854 by age 90.

Our advice included making an investment with home equity, increasing superannuation contributions, and taking on new insurance cover, to protect their downside against the risk of death and disability, which could otherwise derail their retirement.


Illustration of Outcomes – Home Equity and Tax Structures Work

Our scenario met all the couple’s goals of planning a kitchen renovation and a better-suited insurance policy, and we additionally saw that if they re-drew even more from their home equity, they could accelerate their wealth creation. We also identified that maximising concessional contributions whilst working and taking advantage of one of the client’s low income, allowed them to take advantage of Spousal contributions to reduce tax payable and the Government Co-contribution.

Financial assets through retirement

This graph illustrates the couple at retirement age and their current projected net financial assets, projected net financial assets with a $30K redraw, and projected net financial assets with a $30K redraw and our additional investment advice.

Important Note
The content of this case study has been based on a real-life client. Any information provided here is general advice only and does not consider your objectives, financial situation or needs. This information should not be taken as comprehensive and does not constitute legal or financial advice. You should seek legal, financial or other professional advice before relying on any content. Yield Financial Planning is not responsible to you or anyone else for any loss suffered in connection with the use of this information. Information is only current at the date initially published.

What Our Clients Say

We have entrusted our wealth creation and future security with Yield Financial Planning for a number of years now. They truly are professionals who have stayed ahead of the game by making strategic decisions at the right time and have always given sound advice. Security for our future is in great hands. Thanks Yield Financial Planning!!!

Yield Financial Planning have been excellent in their advice and investment strategies being a pleasure to work with over many years. Their strategies and constant portfolio reviews making changes when needed have guided us right through from our working days, the GFC and now retirement. We hold Yield as being an invaluable necessity.

Yield Financial Planning has provided us with professional expert sound advice. It is always a pleasure to deal James and his team who always have our best interests at heart and has set up a sound plan for retirement. James and his team have provided first rate advice and funds management. I have confidence in James’s competence and integrity.

Just the excellent service we receive and doesn’t matter how many questions we have; the staff are happy to oblige. They follow things through and let us think about important and critical matters methodically with a helping hand along the way. So overall the Journey is pleasant, professional and comprehensive yet it is explained to you what could help you or your needs.

I’ve been with Yield for more than 10 years and I’ve found the advice invaluable in helping to navigate life’s twists and turns. Highly recommended 5 Stars!

I would like to congratulate Yield Financial Planning, for their high quality of care, expertise and knowledge they have provided in ensuring my future growth is heading in the right direction. These qualities have reflected both in results and the ongoing follow up as an existing client, which I find reassuring.

Have been with Yield for a few years as my financial planners, and was very pleased when they announced their Mortgage Brokering Services – their Broker had great communication, and at no time was I unsure of where we were in the process. Being my Financial Planner, I was much more comfortable knowing they had my interests at the forefront of all negotiations – rather than getting a mortgage broker off the street who is probably aligned with a bank. From a more financial perspective, Yield saved us over $5000 per year through reduced interest payments alone – I highly recommend looking into Yield Financial

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