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How to find the right investment strategy for you
Smart investors seek expert advice on how to best manage their money, and make sure they have a properly structured and appropriate long term financial plan. But even with a financial plan, many investors find the business of sticking to it requires a great deal more discipline and hard work than they'd envisaged.
Investing doesn't have to be a chore. Using MasterKey, your adviser can provide you with a simple, yet sophisticated process for investing that will help you stick to a strategy and reach your investment objectives.
Talk to a financial adviser
The best and easiest way to develop your investment strategy is to talk to an expert. Your financial adviser will help you set your goals, and use MLC MasterKey to create a portfolio using the most tax-effective investment structures.
Tax structures
Superannuation is a concessionally taxed retirement savings structure which allows you to invest a portion of the income you're earning now to fund your retirement. Superannuation is one of the most tax-effective ways to invest. However, it is a long term investment - the money you invest is generally 'preserved' (i.e. it can't be withdrawn) until you retire.
Investor directed portfolio service (IDPS) is a service through which you can acquire, hold and withdraw from a range of available investments. You then receive consolidated reporting and administration of your account including an end of year tax statement.
Retirement income streams - e.g. pensions and annuities - are investment structures which effectively allow you to buy a regular retirement income. If you're retired, allocated pensions and annuities can provide you with significant tax benefits and, in some instances, favourable social security treatment.
This information is based on taxation legislation as at May 1999.
MLC MasterKey is your total investment solution
To make the most of your money at any given point in your life, you probably have to invest across a number of different asset classes and investment structures. One of the great advantages of MasterKey is that you can manage all of your investments within a single portfolio.
Find out more about MasterKey's integrated range of investment options and structures
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