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Question: 
Discuss about the Financial Planning Report to Mark and Susan Saunders. 

 
Answer: 
Introduction 

Mark and Susan are 45 years of age with 3 teenaged children. Currently,  Mark is a business man and Susan is a salaried employee ( teacher in a secondary school ). They have parked their surplus cash in assets worth  $  1.72 mn like their family home,  car,  Australian shares and risk free investments like term deposit and savings. This also includes the business assets of Mark i.e. van,  office,  plant and machinery of  $ 410 k. They also individually have a super annuation corpus where in the case of Susan the employer contributes 9.5 % of salary. The super annuation corpus combined is  $  170k which includes  $ 60 k of Mark in two funds namely S & M SMSF and AMP Super Fund which invested across shares,  cash and is invested in cash,  property,  fixed managed fund and shares. Susan’ super fund across the S & M SMSF and Australian Catholic Super fund of $ 110, 000 is invested across Australian shares,  inter shares,  property,  fixed interest and cash. The liabilities of the couple aggregate  $  400 k and include loans on mortgage and car. Mark and Susan will retire in the next 15 years and they are seeking our advice to analyse their current and future financial situation based on the information we have gathered and provide some suggestions for improving their long term wealth. We have been appraised that both Susan and Mark will continue their current engagement of teaching and business respectively until they retire at the age of 60 i.e. after 15 years. There is an assumption that the couple would like to retire their liabilities as soon as possible and just keep a cash balance of  $  10, 000 in their bank account until the loans are prepaid. Hence the analyses is done on the basis of

  1. Assuming loans are prepaid out of surplus cash generation subject to a minimum of $  10, 000 every year AND
  2. Assuming the loans are paid out in the normal course of 15 years. ( the backup that the loan is for 15 years is given below during the analyses )
 
Analyses
Assuming no Prepayment of Loan

Initially,  let us understand the liabilities and the annual payout commitments of Susan and Mark. The couple has a mortgage loan of  $  390 k and a car loan of  $  10 k aggregating  $  400 k. The rate of interest is 5.5 % flexi and the tenure is 15 years. Hence the annual equivalent installment of  $  39, 500 to 39, 850. The payment schedule of the loan is attached below.

 Home Loan & Car Loan

 

 

 15

 years

 Year

 EAI

 Principal

 Interest

 Principal paid

 2, 015

 39, 500

 400, 000

 

 

 2, 016

 

 382, 150

 22, 000

 17, 850

 2, 017

 

 363, 318

 21, 018

 18, 832

 2, 018

 

 343, 450

 19, 982

 19, 868

 2, 019

 

 322, 490

 18, 890

 20, 960

 2, 020

 

 300, 376

 17, 737

 22, 113

 2, 021

 

 278, 263

 16, 521

 22, 113

 2, 022

 

 256, 150

 15, 304

 22, 113

 2, 023

 

 230, 388

 14, 088

 25, 762

 2, 024

 

 203, 209

 12, 671

 27, 179

 2, 025

 

 174, 535

 11, 176

 28, 674

 2, 026

 

 144, 284

 9, 599

 30, 251

 2, 027

 

 112, 369

 7, 936

 31, 915

 2, 028

 

 78, 699

 6, 180

 33, 670

 2, 029

 

 43, 178

 4, 328

 35, 522

 2, 030

 

 5, 702

 2, 375

 37, 475

As it can be seen from the table,  the loan will be paid over 15 years at current EAI of  $ 39, 500

The cash flow statement in that case assumes an accumulation of surplus money in the bank account in savings account which does not pay any interest. This will be a foolish strategy since there is a negative arbitrage of 5.5 %. The cash flow for the next 5 years ended June 2015,  June 2016,  June 2017,  June 2018 and June 2019 are appended below ( works,  H. ( 2016 ) ). ( Wikipedia. ( 2016 ) )

 Cash Flow Statement

 

 

 

 

 

 

 Year ended June 30

 

2015

2016

2017

2018

2019

 Cash Inflow

 

 

 

 

 

 

 Interest on savings account

  $  

  -    

  -    

  -    

  -    

  -    

 Interest on Term deposit

  $  

 1, 000

 1, 250

 1, 500

 1, 750

 2, 000

 Dividend from Bank shares

  $  

 4, 000

 6, 000

 6, 360

 6, 742

 7, 146

 Salary and Business Income

  $  

 157, 000

 161, 710

 166, 561

 171, 558

 176, 705

 Mark

  $  

 125, 000

 128, 750

 132, 613

 136, 591

 140, 689

 Susan

  $  

 32, 000

 32, 960

 33, 949

 34, 967

 36, 016

 Total Cash Inflow

  $  

 162, 000

 168, 960

 174, 421

 180, 050

 185, 851

 Cash Outflow

 

 

 

 

 

 

 Mortgage and car loan

  $  

 39, 500

 39, 500

 39, 500

 39, 500

 39, 500

 Work expenses

  $  

 700

 721

 743

 765

 788

 Mark

  $  

  -    

  -    

  -    

  -    

  -    

 Susan

  $  

 700

 721

 743

 765

 788

 Investment in Term deposit

  $  

 10, 000

 10, 000

 10, 000

 10, 000

 10, 000

 Pre Payment of Loan

  $  

 

 

 

 

 

 Living expenses

  $  

 60, 000

 61, 800

 63, 654

 65, 564

 67, 531

 Tax

  $  

 41, 790

 44, 477

 46, 437

 48, 464

 50, 563

 Total Cash Outflow

  $  

 141, 990

 146, 498

 150, 333

 154, 293

 158, 381

 Cash accrual

  $  

 20, 010

 22, 462

 24, 088

 25, 757

 27, 470

 Opening savings Bank

  $  

 35, 000

 55, 010

 77, 472

 101, 560

 127, 317

 Closing Savings Bank

  $  

 55, 010

 77, 472

 101, 560

 127, 317

 154, 787

The closing savings bank balance will be  $  155 k.

Assuming Prepayment of Loan

Assuming that all surplus cash greater than  $  10, 000 will be used to prepay the loan,  the loan schedule looks like this

Home Loan & Car Loan

 

 

 15

 years

 Year

 EAI

 Principal

 Interest

 Principal paid

 2, 015

 39, 500

 400, 000

 

 

 2, 016

 

 337, 140

 22, 000

 62, 860

 2, 017

 

 294, 505

 18, 543

 42, 635

 2, 018

 

 248, 334

 16, 198

 46, 171

 2, 019

 

 198, 524

 13, 658

 49, 810

 2, 020

 

 144, 788

 10, 919

 53, 735

 2, 021

 

 91, 053

 7, 963

 53, 735

 2, 022

 

 37, 318

 5, 008

 53, 735

 2, 023

 

 ( 480 )

 2, 052

 37, 798

The loan is completely repaid in the next 7 years i.e. by 2023. This strategy is prudent since the payout of the money is not towards interest for 15 years. Interest is saved since the principal payment is accelerated in 7 years instead of paying the loan over 15 years. The minimum savings balance of  $  10, 000 is also maintained. In future,  this strategy and the calculations based on this will be used to arrive at the retirement corpus

The cash flow statement for the 5 years ended June 2015,  June 2016,  June 2017,  June 2018 and June 2019 are appended below

Cash Flow Statement

 

 

 

 

 

 

 Year ended June 30

 

2015

2016

2017

2018

2019

 Cash Inflow

 

 

 

 

 

 

 Interest on savings account

  $  

  -    

  -    

  -    

  -    

  -    

 Interest on Term deposit

  $  

 1, 000

 1, 250

 1, 500

 1, 750

 2, 000

 Dividend from Bank shares

  $  

 4, 000

 6, 000

 6, 360

 6, 742

 7, 146

 Salary and Business Income

  $  

 157, 000

 161, 710

 166, 561

 171, 558

 176, 705

 Mark

  $  

 125, 000

 128, 750

 132, 613

 136, 591

 140, 689

 Susan

  $  

 32, 000

 32, 960

 33, 949

 34, 967

 36, 016

 Total Cash Inflow

  $  

 162, 000

 168, 960

 174, 421

 180, 050

 185, 851

 Cash Outflow

 

 

 

 

 

 

 Mortgage and car loan

  $  

 39, 500

 39, 500

 39, 500

 39, 500

 39, 500

 Work expenses

  $  

 700

 721

 743

 765

 788

 Mark

  $  

  -    

  -    

  -    

  -    

  -    

 Susan

  $  

 700

 721

 743

 765

 788

 Investment in Term deposit

  $  

 10, 000

 10, 000

 10, 000

 10, 000

 10, 000

 Pre Payment of Loan

  $  

 45, 010

 21, 327

 22, 519

 23, 618

 24, 804

 Living expenses

  $  

 60, 000

 61, 800

 63, 654

 65, 564

 67, 531

 Tax

  $  

 41, 790

 45, 612

 48, 006

 50, 510

 53, 130

 Total Cash Outflow

  $  

 187, 000

 168, 960

 174, 421

 179, 956

 185, 752

 Cash accrual

  $  

 ( 25, 000 )

  -    

  -    

 94

 99

 Opening savings Bank

  $  

 35, 000

 10, 000

 10, 000

 10, 000

 10, 094

 Closing Savings Bank

  $  

 10, 000

 10, 000

 10, 000

 10, 094

 10, 193

As can be seen in the table,  the bank balance is kept at the minimum of  $  10, 000 and the remaining amount is used to prepay the loan obligations.

The balance sheet of the couple for the 3 years ended below

 Balance Sheet

 

 

 

 

 Year ended June 30

 

2015

2016

2017

 Assets

 

 

 

 

 Family Home

  $  

 850, 000

 850, 000

 850, 000

 Plant in Business

  $  

 80, 000

 82, 400

 84, 872

 Car

  $  

 25, 000

 25, 000

 25, 000

 Office in Business

  $  

 320, 000

 320, 000

 320, 000

 House Contents

  $  

 100, 000

 103, 000

 106, 090

 Australian shares

  $  

 100, 000

 106, 000

 112, 360

 Van in Business

  $  

 10, 000

 10, 000

 9, 999

 Term deposit

  $  

 40, 000

 50, 000

 60, 000

 Combined Super Fund

  $  

 194, 555

 207, 965

 222, 188

 Total Assets

  $  

 1, 719, 555

 1, 754, 364

 1, 790, 509

 Liabilities

 

 

 

 

 Loans

  $  

 400, 000

 337, 140

 294, 505

 Capital

  $  

 1, 319, 555

 1, 417, 224

 1, 496, 004

 Total Liabilities

 

 1, 719, 555

 1, 754, 364

 1, 790, 509

The term deposit is increasing by  $  10 k per annum. The loan reflects the amount outstanding at the end of every year.

The tax calculation matrix for computing the tax for the next 5 years is as under

 Income and Expenses

 

2015

2016

2017

 2, 018

 2, 019

 Interest on savings account

  $  

  -    

  -    

  -    

  -    

  -    

 Interest on Term deposit

  $  

 1, 000

 1, 250

 1, 500

 1, 750

 2, 000

 Interest on Mortgage

  $  

 ( 22, 000 )

 ( 16, 198 )

 ( 13, 658 )

 ( 10, 919 )

 ( 7, 963 )

 Dividend from Bank shares

  $  

 4, 000

 6, 000

 6, 360

 6, 742

 7, 146

 Salary and Business Income

  $  

 157, 000

 161, 710

 166, 561

 171, 558

 176, 705

  -    

  $  

  -    

  -    

  -    

 

 

 Work expenses

  $  

 ( 700 )

 ( 721 )

 ( 743 )

 ( 765 )

 ( 788 )

 Taxable Income

  -    

 139, 300

 152, 041

 160, 020

 168, 366

 177, 100

 Tax

  $  

 41, 790

 45, 612

 48, 006

 50, 510

 53, 130

Ato.gov.au. ( 2016 ).

This is taken into the cash flow workings presented earlier. All expenses are increasing by CPI and income is increasing as per the rates mentioned in the question set

The cash outflow mix indicates that 36 - 40 %of their spend is on fulfilling loan obligation while 32 - 37 % is on living expenses. Tax accounts for the rest. ( Taxpayer.com.au. ( 2016 ) ).

 Analysis of Cash outflows

 2, 015

 2, 016

 2, 017

 Mortgage and car loan

21 %

23 %

23 %

 Living expenses

32 %

37 %

36 %

 Prepayment of Loan

24 %

13 %

13 %

 Tax

22 %

27 %

28 %

 Total

100 %

100 %

100 %

 The super annuation analysis is tabulated below

Super Fund of Mark

Mark has invested money In S &M SMSH and AMP Super Fund. Based on the return  %,  his weighted average return in super fund is 6.53 %. The closing balance also includes the proceeds from sale of his business assets. The table below gives the running balance of his super till retirement in the next 15 years

 Super Fund  -  Mark

 

 

 

 

 

6.53 %

 

 Year ( June 30 )

 Age

 Income

 Opening Super Bal

 Emp cont

 15 % Cont Tax

 Net earnings

 Closing Super Bal

 2, 015

 45

 125, 000

 60, 000

  -    

  -    

 3, 920

 63, 920

 2, 016

 46

 128, 750

 63, 920

  -    

  -    

 4, 176

 68, 096

 2, 017

 47

 132, 613

 68, 096

  -    

  -    

 4, 449

 72, 545

 2, 018

 48

 136, 591

 72, 545

  -    

  -    

 4, 740

 77, 285

 2, 019

 49

 140, 689

 77, 285

  -    

  -    

 5, 049

 82, 334

 2, 020

 50

 144, 909

 82, 334

  -    

  -    

 5, 379

 87, 713

 2, 021

 51

 149, 257

 87, 713

  -    

  -    

 5, 731

 93, 444

 2, 022

 52

 153, 734

 93, 444

  -    

  -    

 6, 105

 99, 549

 2, 023

 53

 158, 346

 99, 549

  -    

  -    

 6, 504

 106, 052

 2, 024

 54

 163, 097

 106, 052

  -    

  -    

 6, 929

 112, 981

 2, 025

 55

 167, 990

 112, 981

  -    

  -    

 7, 381

 120, 363

 2, 026

 56

 173, 029

 120, 363

  -    

  -    

 7, 864

 128, 226

 2, 027

 57

 178, 220

 128, 226

  -    

  -    

 8, 377

 136, 604

 2, 028

 58

 183, 567

 136, 604

  -    

  -    

 8, 925

 145, 529

 2, 029

 59

 189, 074

 145, 529

  -    

  -    

 9, 508

 155, 037

 2, 030

 60

 194, 746

 155, 037

  -    

  -    

 10, 129

 825, 166

The balance at 2030 is  $  825 k.

Super Fund of Susan

 Super Fund  -  Susan

 

 

 

 

 

4.92 %

 

 Year ( June 30 )

 Age

 Salary

 Opening Super Bal

 Emp cont

 15 % Cont Tax

 Net earnings

 Closing Super Bal

 2, 015

 45

 32, 000

 110, 000

 3, 040

 456

 5, 410

 117, 994

 2, 016

 46

 32, 960

 117, 994

 3, 131

 470

 5, 803

 126, 459

 2, 017

 47

 33, 949

 126, 459

 3, 225

 484

 6, 219

 135, 420

 2, 018

 48

 34, 967

 135, 420

 3, 322

 498

 6, 660

 144, 903

 2, 019

 49

 36, 016

 144, 903

 3, 422

 513

 7, 127

 154, 938

 2, 020

 50

 37, 097

 154, 938

 3, 524

 529

 7, 620

 165, 554

 2, 021

 51

 38, 210

 165, 554

 3, 630

 544

 8, 142

 176, 782

 2, 022

 52

 39, 356

 176, 782

 3, 739

 561

 8, 694

 188, 654

 2, 023

 53

 40, 537

 188, 654

 3, 851

 578

 9, 278

 201, 206

 2, 024

 54

 41, 753

 201, 206

 3, 967

 595

 9, 896

 214, 473

 2, 025

 55

 43, 005

 214, 473

 4, 086

 613

 10, 548

 228, 494

 2, 026

 56

 44, 295

 228, 494

 4, 208

 631

 11, 238

 243, 308

 2, 027

 57

 45, 624

 243, 308

 4, 334

 650

 11, 966

 258, 959

 2, 028

 58

 46, 993

 258, 959

 4, 464

 670

 12, 736

 275, 490

 2, 029

 59

 48, 403

 275, 490

 4, 598

 690

 13, 549

 292, 947

 2, 030

 60

 49, 855

 292, 947

 4, 736

 710

 14, 408

 311, 381

The balance at 2030 is  $  311 k.  This includes contribution from employer as well and a weighted average return of 4.92 % based on the amount invested in Australian Catholic and S &M SMSH fund

Combined Super Fund

The combined superannuation balance and real income calculations are tabulated below. Real income is calculated based on purchasing power of a  $  using the CPI of 3 % growth yoy.

 Year

 Combined Super Bal

 Purchasing Power  %

 Real Income

 2, 016

 194, 555

 97.1

 188, 888

 2, 017

 207, 965

 94.3

 196, 027

 2, 018

 222, 188

 91.5

 203, 333

 2, 019

 237, 272

 88.8

 210, 813

 2, 020

 253, 267

 86.3

 218, 470

 2, 021

 270, 225

 83.7

 226, 309

 2, 022

 288, 203

 81.3

 234, 335

 2, 023

 307, 258

 78.9

 242, 552

 2, 024

 327, 454

 76.6

 250, 966

 2, 025

 348, 856

 74.4

 259, 582

 2, 026

 371, 535

 72.2

 268, 405

 2, 027

 395, 563

 70.1

 277, 440

 2, 028

 421, 018

 68.1

 286, 693

 2, 029

 447, 984

 66.1

 296, 170

 2, 030

 1, 136, 546

 64.2

 729, 506

Based on the real income requirement of  $  60, 000 pa for the couple at the time of retirement and after,  the retirement fund will last for 20 years as tabulated below

 Year ( June 30 )

 Age

 Opening Super Bal

 Pension withdrawal

 Pension withdrawal ( real basis )

 Net earnings

 Closing Super Balance

 2, 031

 61

 729, 506

 60, 000

 60, 000

 40, 123

 709, 629

 2, 032

 62

 709, 629

 60, 000

 60, 000

 39, 030

 688, 658

 2, 033

 63

 688, 658

 60, 000

 60, 000

 37, 876

 666, 534

 2, 034

 64

 666, 534

 60, 000

 60, 000

 36, 659

 643, 194

 2, 035

 65

 643, 194

 60, 000

 60, 000

 35, 376

 618, 569

 2, 036

 66

 618, 569

 60, 000

 60, 000

 34, 021

 592, 591

 2, 037

 67

 592, 591

 60, 000

 60, 000

 32, 592

 565, 183

 2, 038

 68

 565, 183

 60, 000

 60, 000

 31, 085

 536, 268

 2, 039

 69

 536, 268

 60, 000

 60, 000

 29, 495

 505, 763

 2, 040

 70

 505, 763

 60, 000

 60, 000

 27, 817

 473, 580

 2, 041

 71

 473, 580

 60, 000

 60, 000

 26, 047

 439, 627

 2, 042

 72

 439, 627

 60, 000

 60, 000

 24, 179

 403, 806

 2, 043

 73

 403, 806

 60, 000

 60, 000

 22, 209

 366, 016

 2, 044

 74

 366, 016

 60, 000

 60, 000

 20, 131

 326, 147

 2, 045

 75

 326, 147

 60, 000

 60, 000

 17, 938

 284, 085

 2, 046

 76

 284, 085

 60, 000

 60, 000

 15, 625

 239, 709

 2, 047

 77

 239, 709

 60, 000

 60, 000

 13, 184

 192, 893

 2, 048

 78

 192, 893

 60, 000

 60, 000

 10, 609

 143, 503

 2, 049

 79

 143, 503

 60, 000

 60, 000

 7, 893

 91, 395

 2, 050

 80

 91, 395

 60, 000

 60, 000

 5, 027

 36, 422

 2, 051

 81

 36, 422

 60, 000

 60, 000

 2, 003

 ( 21, 575 )

In case the real income of  $ 60, 000 also undergoes the CPI,  the purchasing power drops and hence the number of years when the retirement lasts comes down to 15 years when their age is 75 years as tabulated below 

 Year ( June 30 )

 Age

 Opening Super Bal

 Pension withdrawal

 Pension withdrawal ( real basis )

 Net earnings

 Closing Super Balance

 2, 031

 61

 729, 506

 61, 800

 60, 000

 40, 123

 707, 829

 2, 032

 62

 707, 829

 63, 654

 60, 000

 38, 931

 683, 105

 2, 033

 63

 683, 105

 65, 564

 60, 000

 37, 571

 655, 112

 2, 034

 64

 655, 112

 67, 531

 60, 000

 36, 031

 623, 613

 2, 035

 65

 623, 613

 69, 556

 60, 000

 34, 299

 588, 355

 2, 036

 66

 588, 355

 71, 643

 60, 000

 32, 360

 549, 072

 2, 037

 67

 549, 072

 73, 792

 60, 000

 30, 199

 505, 478

 2, 038

 68

 505, 478

 76, 006

 60, 000

 27, 801

 457, 273

 2, 039

 69

 457, 273

 78, 286

 60, 000

 25, 150

 404, 137

 2, 040

 70

 404, 137

 80, 635

 60, 000

 22, 228

 345, 729

 2, 041

 71

 345, 729

 83, 054

 60, 000

 19, 015

 281, 691

 2, 042

 72

 281, 691

 85, 546

 60, 000

 15, 493

 211, 638

 2, 043

 73

 211, 638

 88, 112

 60, 000

 11, 640

 135, 166

 2, 044

 74

 135, 166

 90, 755

 60, 000

 7, 434

 51, 845

 2, 045

 75

 51, 845

 93, 478

 60, 000

 2, 851

 ( 38, 782 )

( Investopedia. ( 2003 ) )

As the couple indicated,  inflation is an important factor which eats into the retirement real pension income. With the corpus of the super fund on real basis,  the value of the Australian shares growing @ 6 % annually,  the couple can sustain till the age of 101 i.e. for the next 41 years after retirement.

 Retirement corpus at age 60

 

 Super fund ( Real basis )

 729, 506

 Bank Shares

 239, 656

 Total

 969, 162

 Real Income required

 60, 000

 Years to last

 41

 Age of couple

 101

Conclusion

Based on the analyses,  it is evident that the couple are comfortable in their retirement situation. Two of their three children are also working. Hence the responsibilities of Mark and Susan for providing for them are complete. Moreover,  the couple have already purchased residential property at opportune time and are availing the capital gain. The liability on the mortgage will also be paid of in the next 7 years from the cash flow generated by the couple. The couple has prudently invested in medical insurance and hence the cost of hospitalization during aging is also taken care of. With the proceeds from the super fund and the shares,  the couple can comfortably live till age 101 

 
References and Bibliography 

Anon,  ( 2016 ). [online] Available at: https://www.australia.gov.au/information - and - services/money.../superannuation [Accessed 27 Sep 2016]. 

Ato.gov.au. ( 2016 ). Individual income tax rates | Australian Taxation Office. [online] Available at: https://www.ato.gov.au/rates/individual - income - tax - rates/ [Accessed 27 Sep 2016]. 

Investopedia. ( 2003 ). Purchasing Power Definition | Investopedia. [online] Available at: https://www.investopedia.com/terms/p/purchasingpower.asp [Accessed 27 Sep 2016].

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