Why save for retirement?

Retirement affects everyone. You can either struggle through it, or do things you never had the chance to do.

These days, with vastly improved health and nutrition, you could easily enjoy 20 or even 30 years of active retirement. Your choices in retirement are only limited by two things – your health and your savings.

How can I save?

Saving for retirement can be very easy.  We can work with you to get you on the path to the retirement you want.

Workplace savings schemes

Some workplace savings schemes can provide generous terms where your employer matches your contributions, subsidises fees, or both.

When Should I Start?

The earlier you start providing for your retirement the better. Even if retirement seems a long way off, building a retirement fund takes time. Give your money more time to grow, and your investments will work harder for you.

A little can go a long way

You can start a retirement savings plan with just $50 a fortnight.  By investing even small amounts regularly, you can use a strategy called ‘Dollar Cost Averaging’ to take advantage of market volatility over the long term.

How Much Will I Need?

Once you’ve decided to start saving for your retirement, the next step is to work out how much you’re likely to need. Any retirement pension you may receive from the Government is likely to be enough to live on, but not enough to cover the extras that can make all the difference.

So first you need to work out when you want to retire, and what kind of retirement you’d like – do you want to potter in the garden or cruise around the world? Work out how much you’ll need to save to make your retirement goals real.

Lending

Whatever your lending needs, we can help. We provide service for your lending needs that includes: sorting out your loan, and dealing with all the associated insurance requirements – life, mortgage protection and general insurance.

We use a number of providers to ensure you receive a good deal.

Click here to check out our handy lending calculators.

Home Loans

Your mortgage will probably be the biggest debt you’ll ever take on, so it’s important to choose your loan wisely and manage it well. With so many choices available, you don’t have to accept the first option the bank offers. Look around and take advice.

Why choose AMP?

AMP has competitive interest rates and because we know life isn’t always predictable, our home loans are among the most flexible in the market. To find out more about AMP Home Loans Contact Us today.
Buying a home

Buying A Home

Buying a home can be one of the most exciting times of your life. Being prepared means you’ll get to enjoy the experience!

We hope these tips and suggestions on buying a home make your experience outstanding. This information is provided as a guide only; we suggest you use it as a launch-pad to your own research.

Research the loans available

Before choosing a loan, research the loans available. We have access to a variety of loans from different providers including fixed and floating rates.

Investing in Property

The investment property market can be a minefield, so it pays to do some research first. This information is provided as a guide only. We suggest you use it as a launch-pad for your own research.

Understanding the market, choosing the right type of property and knowing how to avoid the hazards are the keys to making property investment work for you.

Here are a few pointers to begin your research.

Building a Home

Building a new home is complex, especially starting from scratch with just a block of land. It requires planning, preparation, organisation, management and know how.

But don't be discouraged - millions of people have done it before you. Here are a few tips and guidelines to help ensure you succeed. This information is provided as a guide only and you should rely on your own research.

Rural Lending

You can tailor our term and seasonal rural loans to suit your needs.

  • Term loans – can help you purchase capital items. You make regular payments of principal and interest
  • Seasonal loans – are like a large overdraft facility – they tide you over when cashflow is low. You can deposit and withdraw funds any time.

The amount you can borrow depends on your farm’s income, the property you want to buy and many other factors including your farming background, qualifications and experience.

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