Build and safeguard your wealth
Personal wealth management
We take a long-term view to develop wealth-building financial strategies that cover your entire working life, retirement years and even your next generation. This philosophy in managing our clients' affairs has been upheld by our business since 1884. Taking the long-term view does not mean sacrificing flexibility. Our strategies help to ensure you have maximum investment mobility.
Our range of advice and services includes:
Investment advice, Wealth accumulation and gearing, Investment administration, Superannuation, Tax-effective investing, Retirement planning, Redundancy advice, Insurance advice, Managing compensation trusts, Small business advice, Capital gains tax management and Expatriate services.
Investment advice
We can provide you with professional assistance to develop and construct your investment portfolio for now and the future with investment objectives, strategies, timeframes and risk profiles that are yours and yours alone.
To add real value, investment advice cannot be a static one-off event. Financial markets change and so do your circumstances. Once you have your investment portfolio in place, we can monitor its performance to ensure it continues to meet your investment criteria and advise you when to adjust or change your strategy.
Wealth accumulation and gearing
Establishing clearly defined, realistic goals is key to any successful wealth accumulation program. Your salary, investments and other earnings should be structured in the most effective way and you should maximise your superannuation entitlements. We can show you how to prudently use borrowings to help accelerate wealth accumulation. While borrowing to invest does carry additional risks, we can help you design and implement a gearing strategy to help manage those risks.
Investment administration
We offer a full range of custodial services including consolidated and up-to-date reporting on all your investments. These services are flexible and cover a broad range of superannuation and non-superannuation assets including listed company shares, debentures, securities, cash deposits, bank bills, real estate, tradeable options, listed and unlisted trusts, overseas investments, infrastructure bonds, derivatives, commodities, collectables, or any other investment category you choose. See more about Portfolio administration services.
Superannuation
Whether you’re an individual looking for the right superannuation solution or a business with more complex superannuation needs, Perpetual can help. We offer solutions for both personal and corporate superannuation. Perpetual has been involved in the establishment and ongoing management of DIY Super funds for over 15 years. We regularly work with our clients and other professionals to deliver any of the components that allow you to efficiently operate your own DIY superannuation fund.
Tax-effective investing
Perpetual can provide you with access to tax, financial and legal expertise to minimise your tax burden as well as tax-effective advice on ownership structures. If you already have a professional handling your tax and legal affairs, we can work with them to ensure you are receiving the best possible solution for your needs. Our goal is to help you structure your finances to help build and protect your personal and family wealth now and through future generations.
Retirement planning
Whether you have already retired or are planning for your retirement, Perpetual can assist you with strategic retirement planning solutions. We take into consideration every aspect of your financial position to determine how your investments can continue to finance the lifestyle you’ve become accustomed to right through your retirement.
Redundancy advice
One of the first thoughts for many facing redundancy is surviving financially until another employment opportunity comes along. There are, in fact, many important financial decisions which need to be made by anyone facing redundancy. We can advise you on the tax-effective ways to receive and invest your redundancy payments and superannuation entitlements to help ease any potential financial burden.
Insurance advice
A major fear for many of us is the risk that we may not be able to financially provide for our loved ones in the event of illness or loss of employment. Perpetual’s knowledge and experience in the insurance industry means we can offer you the right insurance solution for your needs. By dealing with a range of insurance providers, we can source competitive rates for all types of insurance including life, trauma, total and permanent disablement and income protection insurance.
Managing compensation trusts
People who have been awarded compensation for serious injury often require special financial care beyond their medical care. Perpetual can help ensure compensation funds are safeguarded and invested appropriately to provide the financial support required to meet specific needs. This includes a regular income stream as well as any special funds that may be needed for medical care or modifications to the family home. Find out more about Compensation Trusts within our Trust Services section.
Small business advice
If you’re running a small business, managing day-to-day work often means little to no time for administration or long-term business planning. Working along with your designated service professionals, Perpetual can assist you with advice for both today and for the future, from superannuation and insurance through to business succession planning.
Capital gains tax management
We have been involved in Capital Gains Tax (CGT) administration since its inception and have considerable expertise in managing its impact on investments. You could soon see a clear, up-to-date picture of your CGT position across shares, real estate, managed funds and any of your other investments with our specialised programs. We can provide you with an accurate analysis of the CGT impact that will result from any adjustments to your portfolio and help you manage CGT and cash flow considerations to your best advantage.
Expatriate services
We can assist you to comply with Australian tax laws while living overseas, as well as other strategic financial advice and management services to help ensure your finances are safeguarded while abroad.
For more information on our personal wealth management, contact us or call 1800 631 381 during business hours to speak to a Perpetual Private Client adviser in your area.
