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Case Study #2 - Looking towards the future

Financial Planning  |  8/09/2016  |   2 min read

The scenario

Chris and Lisa are in their late 30s, married, with two young daughters. They have a $410,000 mortgage, limited savings, a single income of $150,000 and approximately $90,000 in superannuation. They want to ensure they’re financially comfortable in retirement.

The plan

The couple would like to repay their mortgage as soon as possible. Chris plans on working until he is 60, Lisa is currently on maternity leave but would like to return to part time work in the future. They want to ensure a living income of $30,000 (excluding mortgage repayments) for the future, with an annual retirement income of $50,000.

The strategy

After assessing their risk profile we suggested that Chris and Lisa switch their Equip investment option to Growth Plus. This will help deliver the returns they need to fund their planned retirement. 

We also recommended that they increase their annual mortgage repayments by $9500 to help pay down their mortgage sooner. A redraw facility on their loan would allow them to pay more while still having the option to access the money in an emergency. 

The couple were also encourage to draft wills and nominate beneficiaries, review their insurance needs, and establish powers of attorney to help protect their daughters should anything happen. 

Find out how  Equip Financial Planning can help you plan for the future here. 


*The case study outlined above is based on a real-life financial planning situation presented to Equipsuper Financial Planning. For privacy purposes, the names of the clients and their family members have been changed.

This information is provided for general information only. It does not take into account your personal objectives, financial situation or needs and should therefore not be taken as personal advice. You should consider whether it is appropriate for you before acting on it and, if necessary, you should seek professional financial advice. Before making a decision to invest in the Equipsuper Superannuation Fund, you should read the relevant Equip Product Disclosure Statement (PDS). Past performance is not an indication of future performance. Issued by Equipsuper Pty Ltd ABN 64 006 964 049 AFSL 246383.  



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