Cash Flow Management and Analysis

Cash flow management is a critical element of the wealth generation process. But it might surprise you to know that cash flow management has little to do with budgeting and a lot to do with matching cash flow requirements with the affordability of any financial strategy.

Cash flow is the net amount of cash moving in and out of your personal finances. Unlike total income return, cash flow examines when and how often income is paid over a set period.

Investments calculated on inaccurate cash flow projections can seriously impact your lifestyle and even cause your long-term investment plan to collapse.

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Our detailed cash flow scenario analysis will answer questions such as:

  • What impact will interest rate rises have on my lifestyle and investment strategies?
  • Should I use my surplus income to reduce debt, salary sacrifice into super or build a share portfolio?
  • How much should I spend on an investment property and what loan to value ratio (LVR) should I use?
  • Is positive gearing or negative gearing appropriate for my circumstances?
  • How does a new investment property compare to an older property?
  • What’s the true cost of owning a block of land?
  • Should I use equity or margin lending to get into a managed fund portfolio?
  • Is it better to pay my insurance premiums with my superannuation fund or personal funds?
  • How can I maximise my Centrelink entitlements?
  • How much can I afford to draw down each year in retirement?
We can help you get the best financial and lifestyle outcomes with the right financial decisions.

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