Driving profit from debt the tides are turning in 2007
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Driving Profit From Debt – The Tides are Turning in 2007. Are you advising your clients’ on their biggest asset? Someone is! Steve Crawford MLC Alliances - Victoria. The Great Aussie Dream – What Happened in 2006?. Driving Profit From Debt The Tides are Turning in 2007.

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Driving Profit From Debt – The Tides are Turning in 2007

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Driving profit from debt the tides are turning in 2007

Driving Profit From Debt – The Tides are Turning in 2007

Are you advising your clients’ on their biggest asset?

Someone is!

Steve Crawford

MLC Alliances - Victoria


The great aussie dream what happened in 2006

The Great Aussie Dream – What Happened in 2006?


Driving profit from debt the tides are turning in 20071

Driving Profit From DebtThe Tides are Turning in 2007

The Tides Are Turning – By 2008……..

Opportunities in 2007 – Strategies for the Pre Retiree

Opportunities in 2007 – Strategies for the Accumulator


Driving profit from debt the tides are turning in 20072

Driving Profit From DebtThe Tides are Turning in 2007

The Tides Are Turning – By 2008……..

Opportunities in 2007 – Strategies for the Pre Retiree

Opportunities in 2007 – Strategies for the Accumulator


The tides are turning by 2008

The Tides Are Turning - By 2008……


The tides are turning by 20081

The Tides Are Turning - By 2008……

$mil per week

Referrals per week

?


The tides are turning by 20082

The Tides Are Turning - By 2008……

?


The tides are turning by 20083

The Tides Are Turning - By 2008……

Market Share growth of Brokers

Concentration of Broker Aggregators


Driving profit from debt the tides are turning in 20073

Driving Profit From DebtThe Tides are Turning in 2007

The Tides Are Turning – By 2008……..

Opportunities in 2007 – Strategies for the Pre Retiree

Opportunities in 2007 – Strategies for the Accumulator


Strategies for 2007 pre retirees

Strategies for 2007 – Pre Retirees

Accelerate your salary sacrifice strategy by converting your loan into an interest only facility.


Strategies for 2007 pre retirees1

Strategies for 2007 – Pre Retirees

Accelerate your salary sacrifice strategy by converting your loan into an interest only facility.

  • Unit trust and super invested in Australian shares

  • Investment return is 8.5% p.a. (split 3% income and 5.5% growth)

  • Franking level on income is 75%

  • Interest on instalment margin loan is 8.25% p.a.

  • 10 year comparison


Strategies for 2007 pre retirees2

Strategies for 2007 – Pre Retirees

$54,335

$37,396

$37,251

$35,643


Strategies for 2007 pre retirees3

Strategies for 2007 – Pre Retirees

$50,113

$48,949

$35,643

$54,335

$37,396

$37,251

$35,643


Strategies for 2007 pre retirees4

Strategies for 2007 – Pre Retirees

$186,061


Driving profit from debt the tides are turning in 20074

Driving Profit From DebtThe Tides are Turning in 2007

The Tides Are Turning – By 2008……..

Opportunities in 2007 – Strategies for the Pre Retiree

Opportunities in 2007 – Strategies for the Accumulator


Strategies for 2007 accumulators

Strategies for 2007 – Accumulators

Maximise your future investment and cash-flow options by better structuring your owner occupied home loan.


Strategies for 2007 accumulators1

Strategies for 2007 – Accumulators

Year 1

Home Loan


Strategies for 2007 accumulators2

Strategies for 2007 – Accumulators

Year 8

Home Loan

Actual loan is reduced


Strategies for 2007 accumulators3

Strategies for 2007 – Accumulators

Year 8

Home Loan

Actual loan is reduced

Redrawn for purchase


Strategies for 2007 accumulators4

Strategies for 2007 – Accumulators

Year 8

Investment Loan

Actual loan is reduced

Redrawn for purchase

Only partially deductible


Strategies for 2007 accumulators5

Strategies for 2007 – Accumulators

Year 1

Home Loan


Strategies for 2007 accumulators6

Strategies for 2007 – Accumulators

Year 8

Home Loan

Actual loan is not reduced


Strategies for 2007 accumulators7

Strategies for 2007 – Accumulators

Year 8

Investment Loan

Actual loan is not reduced

Purchase done with cash


Strategies for 2007 accumulators8

Strategies for 2007 – Accumulators

Year 8

Investment Loan

Actual loan is not reduced

Purchase done with cash

Original loan fully deductible


Solution nab mlc customised solutions

Solution – NAB / MLC Customised Solutions

Take advantage the transitional cap by investing the sale of your property sooner.

  • NAB Business Bank

  • Adviser Business Lending

  • Portfolio Package

  • MLC Mortgage Solutions

  • Tailored Solutions

  • Credit Approved

  • Short Term Finance

  • Working with Financial Planners


Strategies for 2007 accumulators debt protection

Strategies for 2007 – Accumulators – Debt Protection

Provide a simple, non-underwritten insurance cover designed specifically to cover your customers home loan responsibilities.

Introducing MLC EasyCover


Under insurance a significant problem

Under-Insurance – A significant problem

  • Generation X’ers make up a large portion of the “At Risk Population”

  • 70% of 33 – 44 year olds with a household income greater than $100K have a Home Loan, but only 29% have life insurance*1

  • 60% of Australian families with dependants will run out of money within 12 months if the main breadwinner dies*2

*1 – Roy Morgan Research, FAMIS database Dec 05

*2 – IFSA Research by Rice Walker Actuaries & TNS Australia 2005 *4 - IFSA report Cost of Under-insurance 2005


Mlc easy cover solution to debt protection

MLC Easy Cover – Solution to Debt Protection

Death*

Illness* / Accidental Injury*

Involuntary Unemployment*

Critical Illness*

Automatic Acceptance*


Client retention keeping them on the books

Client Retention – Keeping Them on the Books

Meeting more customer needs reduces the probability of customer defection.

50%

Probability

%

10%

5.5%

1%

Financial services held

Source: National Customer Convergence in Retail Financial Services (Insurance Study)


Conclusion will your business expand in 2007

Conclusion – Will Your Business Expand in 2007…..?

  • The Tides are Turning in 2007 – Will you be affected?

  • Opportunities Do Exist – Take advantage of this in 2007

  • Practical Implementation – Effective Solutions

  • The Portfolio Package

  • The NAB Business Bank

  • MLC Mortgage Solutions

  • Easy Cover


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