It Pays To Look At The Bigger Picture - BT Insights - BT

Sometimes, it's easy to get caught in the moment. The excitement of a share price surge. The panic of a market fall. The adrenalin of a property deal.
But successful investing isn't about moments. It's about looking beyond the short term, and looking at the bigger picture.

These pages reveal the bigger picture about investment insights that are common to many investors: how a little extra added to super can go a long way, why shares are a good long term investment and an easier alternative to investment property, and just how long is a long term investment. For super, retirement and investments, trust BT to reveal the bigger picture.

How could you turn $30 a week into $240,000?

Your super can do amazing things. Like turn $30 a week today into $240,000 by the time you retire. Or reduce the amount of tax you pay today just by saving for tomorrow. When it comes to your super, it's worth taking a look at the bigger picture.

Case Study

Get In Early

For Kate (29) retirement is a long way off.

VIDEO

Super Expert

Hear what a difference super contributions can make.

Social Bookmarking

	Twitter		Digg
	Facebook		Stumble Upon

©2010 BT Financial Group

Things you should know: Super

All figures based on retirement at age 65, 9% employer contributions, earnings of 6% per year, net of fees and taxes in today's dollars. All other fees and charges ignored except contributions tax of 15%. $30 post tax contribution (top-up) per week equals $1560 per year, and attracts government co-contribution.
You should consider your personal objectives, financial situation and needs before acting on this information. Past returns are no guarantee of future performance.

Things you should know: Cash vs Shares

Accumulated returns based on $100,000 invested on 1 January 1990. Shares index is the S&P/ASX 300 Accumulation Index. Cash returns based on the UBS Bank Bill index. Calculations do not take into account fees or taxes. The value of a cash investment over time will be subject to inflation.
You should consider your personal objectives, financial situation and needs before acting on this information. Past returns are no guarantee of future performance.

Things you should know: Property vs Shares

Property calculations assume $11,000 in entry, stamp duty and legal fees on purchase. Annual figures include 3.0% inflation, $2,500 maintenance fees, 8% agent fees, $8,000 in rental income, 5.5% return on rental income. Growth of property price based on median house price index, all Australia. Source RP Data.
Share returns based on $30,845 invested in S&P/ASX 300 Accumulation Index. Shares calculations assume contributions on the same scale as mortgage repayments, 0.5% brokerage, 95% of dividends fully franked at 30%, marginal income tax rate of 38%, 50% discount on capital gains tax and 30% company tax rate.
You should consider your personal objectives, financial situation and needs before acting on this information. Past returns are no guarantee of future performance.

Things you should know: Long term investing

Shares index is the Australia ASX Accumulation Index-All Ordinaries to April 2000 and the S&P/ASX 300 Index thereafter. A ?year? is calculated on a calendar year. You should consider your personal objectives, financial situation and needs before acting on this information. Past returns are no guarantee of future performance.

This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation and needs. Consider our disclosure documents which include our Financial Services Guide.