Marc Bineham
speaker
467 appearances
1 recordings
1 series
first heard Aug 2022
last heard Aug 2022
Marc Bineham’s voice in public audio — every appearance, attributed to the second.
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Appearances
So, you know, and it's like anything, yeah, we have our savings goals and like that, but unless we have someone that we definitely have a finite, I've got an appointment in 12 months time.
If it's just left up to us to remember, yeah, mortgages, kids, everything gets in the way.
So that's my experience anyway.
Yeah.
Yes, there is.
And as I said, every person's different.
But if I was thinking that, and especially when I was seeing clients, especially in their 30s and 40s, it was usually...
You can usually get your first deposit for your home or investment.
If you're going to rent this for your first investment property, you could probably, you know, people do that on their own and they've got a real goal in mind.
So they've got a clear end.
There's a motivation that I want to get out, stop renting, or I want to leave home.
And so I want to be able to get, so that's most people get to that point.
Once they probably have that home and maybe starting a family,
that's probably one or two years into a home because firstly, you've got an asset that's worth protecting.
And even though you might have a pretty high mortgage against the actual asset, within a couple of years, that will grow and that mortgage will start coming down.
So you're going to have a net...
worth there as well as what your savings are and if you've had super probably for 10 so years that's building into a quite a sizable asset too and what people probably don't realize because um i used to actually do a lot of uh talks on around corporate superannuations sorry to to companies and their staff i absolutely get if you're in your 20s 30s and 40s you think well super somewhere in the future i'm never going to see this or it's going to be forever but um
having it invested correctly rather than just sitting in the basic default fund can be an extra 2% or 3% and over a 20, 30-year period will double your superannuation.
So getting a lot of that even done right and as well having the safety net of insurance.
So pretty well once I would probably have a property
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