Page 10 - Wealth-Adviser-Issue-123 (FWP)

ISSUE 123
OCTOBER 2025
Ask a with volatility. Many investors review their portfolio once

or twice a year or when allocations drift 5–10% from target.
Q&A: Question This can involve trimming appreciated assets and reinvest-
ing in those that underperformed.
While rebalancing can feel counterintuitive, it locks in
gains and promotes long-term discipline. Before making
Question 1: changes, it’s important to weigh tax implications and con-
I’ve been earning more recently, but it never feels like I’m sider transaction costs. An adviser can help identify when
getting ahead financially. How can I make my extra income and how to rebalance strategically, keeping your invest-
work harder for me?
It’s a common feeling, spending can quietly rise with ments aligned with your personal risk profile and long-term
income, leaving little left over despite earning more. The plan.
key is being intentional. Start by reviewing your cash flow
to understand where your money goes and set clear saving Question 3:
and investment goals. Automated savings plans or regular My super fund says insurance terms are changing. Should I
investment contributions can help redirect surplus income review my insurance in super?
before it disappears into lifestyle creep. Many super funds will have updates to their insurance
Think about your priorities, paying down high-interest pricing and cover, with new definitions and adjusted premi-
debt, topping up super contributions, or investing in diver- um rates. These changes may alter what you’re covered for,
sified funds for long-term growth. Even modest, consistent how much protection you have, or the cost deducted from
amounts can compound powerfully over time. Aligning your balance.
these steps with a structured plan ensures you’re not just Insurance in super can be affordable and easy to manage,
earning more but building wealth. A financial adviser can but it’s not always tailored to your personal needs. Life
help create a strategy that balances your lifestyle today with changes such as taking on a mortgage, having children, or
your financial goals of tomorrow. nearing retirement can mean your current level of insurance

Question 2: no longer fits your situation. Super funds also generally
With the market at all‑time highs, I’ve had some strong offer group insurance, which can be cheaper and easier to
investment returns lately. How do I know if my portfolio obtain but less tailored than retail cover, which is individu-
needs changes to manage risk? ally underwritten and can provide more flexible and superi-
If shares have surged, you might now hold more growth or benefits and definitions.
assets than intended, increasing your exposure to risk. You Reviewing your cover ensures protection levels and
may need to adjust this through rebalancing, which means beneficiaries remain appropriate. Your adviser can help you
adjusting your investments back to your original mix after check whether your insurance aligns with your broader fi-
markets have shifted in performance. nancial plan, compare options between funds if needed, and
Balancing your investments helps maintain the right confirm that your super’s insurance continues to provide
level of diversification aligned with your goals and comfort value and peace of mind.

Future Wealth Planners

Level 1, 176 Main Street
Osborne Park WA 6017

P.O. Box 16
Osborne Park WA 6917

P: 08 9207 3844
W: www.fwplanners.com.au
E: clientservices@fwplanners.com.au

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