We are here to empower you to live your best possible life through comprehensive financial advice. We do this by getting to know you and what is most important to you and developing a strategy tailored to your unique situation.
Invest Blue has a number of offices conveniently located in rural, coastal and city locations across QLD, NSW, ACT, TAS and VIC. All of our offices are supported by an operations team of technical advice, research, client experience, compliance and IT specialists.
Explore a range of topics to broaden your financial knowledge and access useful tools and resources to help you get a better understanding of your financial position and where you have the opportunity to make improvements.
Change is a fact of life and it often happens in the blink of an eye. Sometimes change is planned, sometimes it’s unexpected.
Understanding and planning throughout life can help you achieve what is important to you; take control of planned change, and be prepared for the unexpected.
Our life cycle has evolved
Over time our life cycle has changed with significant impacts on our financial resourcing requirements. Where we used to work for 40 years to service 10 years of retirement, we now work for 25 years to service 30 years of lifestyle and retirement.
Source: United Nations Statistics Division, KPMG desire.
Life changes quickly
In our 20s we’re just starting out
Identify your goals
Single professionals
Manage your cashflow
Protect your income
Overseas travel
Save a deposit for a house
Higher education
Start a regular investment
Kick-start your super
Make good choices for super
In our 30s & 40s, we’re working hard
Identify your goals
Single professionals
Manage your cashflow
Provide for your children’s education
Pay off your home loan sooner
Focus on business growth
Structure your income to minimise tax
Protect yourself/family if the unforeseen occurs
Rebuild wealth/start again
Review your will
Maintain your lifestyle now and in the future
Build wealth for the future
Invest regularly and re-invest your earnings
Receive financial advice on leveraging equity and cashflow
Be smart with super
In our 50s we’re still working hard
Identify your goals
Structure your income to minimise tax
Focus on business growth/succession of business interest
Consider transitioning to retirement
Protect your family/wealth/assets if the unforeseen occurs
Review your risk profile
Asset protection
Rebuild wealth/start again
Review your will/estate planning
Maintain your lifestyle now and in the future
Build wealth for retirement
Invest regularly and re-invest your earnings
Receive financial advice on leveraging equity and cashflow
Be smart with super (take control)
In our 60s we’re planning to retire
Identify your goals – what are we going to do for the next 30 years?
Prepare for a lifestyle change
Access your superannuation tax-free
Maximise government benefits
Accelerate your super savings
Put plans in place to make your money last in retirement
The succession of business interest
Transition of income
Release wealth
Review your will/estate planning
In our 70s we’re enjoying retirement
Review goals
Review cash flow/income requirements
Review health/house/care requirements
Review asset allocation
Review/maintain a lifestyle
Maximise government benefits
Review will/estate planning
Making a budget & Budgeting Tools
The key elements of every budget are listed below.
If you’d prefer someone else to do the work for you, but have the ability to access your budget easily 24/7, use an app like MoneyBrilliant. With many other great benefits like helping to find expense reductions and optimising your banking, MoneyBrilliant is great for your day to day budget.
Clients of Invest Blue are provided with the premium version of MoneyBrilliant – speak with your adviser if you’d like to get on board.
Otherwise, the free version is just as great to get started with.
If you are really unsure of where your money is going, try a tool to help you track your spend such as MoneyBrilliant.
Pay yourself first
Don’t forget to save. Words of wisdom are to pay yourself first. If you are clear about your goals and know what you are saving for, it is easier to stay focused on where your money is going.
Stay focused
Recognise that habits can be hard to break—it can take time to implement money-saving tips, but if you fall off the wagon, just get back on it again.
Pay less
Don’t be afraid to negotiate, barter, try unconventional sources (like buy/swap/sell) or hop around for the items or services you need.
Stick to it
Your budget will need updating from time to time. Set time aside each month to review your budget, checking in to see if you’re on track and make any necessary changes. This will also give you the opportunity to review any downfalls or factor in any new expenses you’d like to make.
Give yourself the best chance
If you are having a hard time keeping savings on track, here are some money-saving tips.
Wanting to speak with a financial planner about budgeting? Get in touch.
What you need to know
This information is provided by Invest Blue Pty Ltd (ABN 91 100 874 744). The information contained in this article is of general nature only and does not take into account the objectives, financial situation or needs of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regards to those matters and seek personal financial, tax and/or legal advice prior to acting on this information. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relations to products and services provided to you.
