Changing your focus

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Your investment timeframe doesn't end when you retire. There are a number of options for you to consider at this stage of your life.

Increase the size of your portfolio
Transition into retirement

Increase the size of your portfolio

If you've paid off your mortgage, you could consider diversifying into other asset classes like shares, by using the equity in your home. Borrowing to invest, also known as gearing, is a simple tool you can use to help you reach your goals faster. Gearing may enable you to improve risk management by achieving greater diversification as well as reduce your tax liability – eg taking advantage of potential tax deductions.

Remember, gearing will magnify losses as well as gains.

Transition into retirement

Under the new proposed government rules you may be able to transition into retirement. That's because you could take a portion of your super as income after age 55, while you're still working.

Talk to a Westpac Financial Planner about how you can use this opportunity to:

convert to part-time hours whilst maintaining your full-time income
make a big difference to your super payout from age 55 without feeling the pinch

Fund performance

Check out our full range of investment tools and calculators.

Get financial advice

Find out what to expect and how to arrange a meeting with no obligation.

Call us on 131 817
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Monday to Friday
8.00am - 6.30pm (AEST)

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