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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?. 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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  1. 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

  2. The Great Aussie Dream – What Happened in 2006?

  3. 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

  4. 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

  5. The Tides Are Turning - By 2008……

  6. The Tides Are Turning - By 2008…… $mil per week Referrals per week ?

  7. The Tides Are Turning - By 2008…… ?

  8. The Tides Are Turning - By 2008…… Market Share growth of Brokers Concentration of Broker Aggregators

  9. 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

  10. Strategies for 2007 – Pre Retirees Accelerate your salary sacrifice strategy by converting your loan into an interest only facility.

  11. 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

  12. Strategies for 2007 – Pre Retirees $54,335 $37,396 $37,251 $35,643

  13. Strategies for 2007 – Pre Retirees $50,113 $48,949 $35,643 $54,335 $37,396 $37,251 $35,643

  14. Strategies for 2007 – Pre Retirees $186,061

  15. 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

  16. Strategies for 2007 – Accumulators Maximise your future investment and cash-flow options by better structuring your owner occupied home loan.

  17. Strategies for 2007 – Accumulators Year 1 Home Loan

  18. Strategies for 2007 – Accumulators Year 8 Home Loan Actual loan is reduced

  19. Strategies for 2007 – Accumulators Year 8 Home Loan Actual loan is reduced Redrawn for purchase

  20. Strategies for 2007 – Accumulators Year 8 Investment Loan Actual loan is reduced Redrawn for purchase Only partially deductible

  21. Strategies for 2007 – Accumulators Year 1 Home Loan

  22. Strategies for 2007 – Accumulators Year 8 Home Loan Actual loan is not reduced

  23. Strategies for 2007 – Accumulators Year 8 Investment Loan Actual loan is not reduced Purchase done with cash

  24. Strategies for 2007 – Accumulators Year 8 Investment Loan Actual loan is not reduced Purchase done with cash Original loan fully deductible

  25. 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

  26. 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

  27. 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

  28. MLC Easy Cover – Solution to Debt Protection  Death*  Illness* / Accidental Injury*  Involuntary Unemployment*  Critical Illness*  Automatic Acceptance*

  29. 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)

  30. 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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