Achieving a Holiday Home and $3.97M in Assets with Investment Strategies for Retirement
Background: Meet Sarah and John
Sarah & John is a professional couple in their early 50s came to us seeking property planning advice and investment strategies to improve their financial position for retirement. They were considering either renovating their current home or purchasing a higher-value property within the next two to three years. Their longer-term goal was to buy a holiday home. Additionally, they wanted to establish a regular investment strategy leveraging their strong saving capacity.
Key Results at a Glance
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Wealth Creation:$3.97M net wealth projected by age 65
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Property Investment:Holiday home goal achieved 3 years early
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Super :30% more in super than their original retirement trajectory
Why Did They Seek Advice?
- Evaluate the financial impact and affordability of renovating versus upsizing their home.
- Plan the purchase of a holiday home within a clear timeline.
- Create a structured, regular investment strategy to support retirement.
Strategies Implemented
We began by thoroughly reviewing the couple’s current financial situation and goals. Using detailed financial projections, we analysed different scenarios including renovating their home versus purchasing a bigger property. We projected their ability to purchase a holiday home and estimated their financial position both now and at retirement.
Property Advice:
- Our advice indicated that when the couple is at age 89, they would have around $3.97 million in financial assets if they chose to renovate, and $2.48 million if they upsized.
- The following graph illustrates the estimated net financial asset drawdown from the youngest client aged 60 to 90, contrasting the long term implications of the choice to renovate vs upsize their residence.
- This improvement compared greatly with their original plan to only upsize which would have meant their financial assets would be completely depleted then, meaning they would have to downsize or sell their holiday house.
Other Advice :
- Maximise concessional super contributions, co-contribution, spouse contributions, establishing a regular investment strategy for retirement and debt reduction advice.
Outcomes and Benefits
- If they chose to renovate, they could purchase their holiday home in 5 years and would have an estimated $3.97 million in financial assets by age 89.
- If they decided to buy a larger home instead, their holiday home purchase would be delayed by 3 years, and their financial assets at age 89 would reduce to approximately $2.48 million, a difference of $1.49 million.
- With super strategies, 30% more in their superfund at age 65 than on their current trajectory.
Key Takeaway
John and Sarah’s story demonstrates how strategic, personalised financial advice can empower professionals in their 50s to achieve multiple lifestyle and retirement goals without compromising long-term financial security.
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Important Note
Produced with our client’s permission. Names within this case study have been changed to protect the client’s right to privacy. 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.
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