Client Number 6723558 - John and Davina Bonza 代写 C5343
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Client Number 6723558 - John and Davina Bonza 代写 C5343
Client File Note
Swanston Banking Group Ltd
“Innovation, Excellence, Enterprise, Commitment”
Swanston Banking Group Ltd ABN 12 345 678 90
RMIT University, Building 80, Level 5, 445 Swanston Street, Melbourne, VIC, 3000
Client Number: 6723558
John Bonza
Davina Bonza
Background
Client Number 6723558 - John and Davina Bonza 代写 C5343
John and Davina are clients of Swanston Banking Group Ltd.
Davina has been very concerned about her and John’s retirement. She called the bank seeking financial
advice. At their initial consultation with the bank’s customer service officer, both offer the following
information.
John is 49 year old and works full time in an IT company and earns $155,000 p.a plus benefits. He has
been married to Davina for ten years and they have two children together, Brad who is 7 and Angelina
who is 3 years old. Davina is 35 years old, she is on unpaid leave for 12 months to look after the children
and prior to that, she was working for 11 years as a PA with her current employer. Her salary prior to
leaving was $80,000 a year. She intends to return to work within the next twelve months.
John and Davina own their own home in Mount Waverly estimated at $1.2 million with a mortgage
$400,000 and their mortgage interest rate is 4.0% variable.
John has a share portfolio totals $150,000 as at 05/01/2017 (resources weighted) yields 4% but is
looking at developing a managed funds portfolio. The value of his share portfolio at 1/07/2012 was
$135000. John is considering developing an SMSF instead of keeping his share portfolio.
Other Personal Assets are two motor vehicles (HSV Sports 2017 Sedan and 2016 BMW M sports coupe
for the Davina) Holden value: $75, 000 and a BMW $75,000. The BMW is financed at 9 % and Davina still
owes $ 30,000 with 5 years of repayments outstanding.
Their joint bank account has a balance of $20,000 (everyday account).
Both are looking at retiring in their late 60’s and want to have a comfortable retirement and generate
$60,000 after tax (today’s dollars) and build and protect their assets.
Client File Note
Swanston Banking Group Ltd
“Innovation, Excellence, Enterprise, Commitment”
Swanston Banking Group Ltd ABN 12 345 678 90
RMIT University, Building 80, Level 5, 445 Swanston Street, Melbourne, VIC, 3000
Their personal expenses on yearly basis total $80,000 which includes mortgage, personal, living and
other expenses.
Retirement analysis and other details:
Cash in Bank $20,000 (term deposit at 5.00% matures Dec 2017)
John owes on his credit card $4600 payment at 9.5 % interest
Davina’s owes on his credit card $5000 10.8% interest
They have no will or power attorney
John has life insurance
Davina does not have life insurance
John’s life insurance and TPD is $350,000, income protection of $5000 a month→(cost $80 a
month)
Both cars and the house are insured (cars $4,500) and home ($3,000)
Davina’s total super is $ 98,000 with Global Superannuation but in a capital guarantee option.
John has $195,000 with TECH Super in an all growth fund.
John’s profile is aggressive
Davina is a balanced investor. If she changes her investment to a growth portfolio her net rate of
return would be 8%.
Both are non- smokers and are in good health
gym membership for both is $1000
Holiday $7000 ( Gold Coast ) staying at Versace Hotel for 10 Days
Davina’s health insurance around $1200 while John is with BUPA cost of $800 a year.
Note: Inflation rate is 2%
Attachments
a) Pay slips
b) Superannuation Statement
Client Number 6723558 - John and Davina Bonza 代写 C5343
