Products
The optimsation engine considers the following products:
| Product type | Description |
|---|---|
| Lifetime annuity | If set, a lifetime annuity can be purchased by either the client or partner entity. Advisers can set the interest rate. The optimiser will decide how much to purchase. The relevant tax and Centrelink implications will be calculated from the purchase amount. |
| Term Annuity | A term annuity can be purchased by either the client or partner. Advisers can set the term and the interest rate. |
| Margin loan | A margin loan can be triggered within a trust or the client/partner entity. Advisers can set the interest rate and max Loan to Valuation ratio. |
| *New home loan | A new home loan is triggered either by the client/partner or joint entities. The loan amount is optimised, as well as the asset held as security. Advisers can set the expected interest rate and other loan features including Max LVR. |
| **Investment property loan | The investment property loan can be utilised by a client/partner/joint/trust/company or SMSF entity. The loan amount is optimised, advisers can set the expected interest rate and other loan features including Max LVR. |
| Investment bond | An investment bond can be purchased by a trust/client/partner. The purchase amount is optimised. |
| Protected equity | A protected equity investment can be purchased by a trust/client/partner or SMSF entity. The purchase amount is optimised. Advisers can set the interest rate, fees and tax deductibility. |
| Self funded intalment warrant (SFI) | A warrant can be purchased by a trust/client/partner or SMSF entity. Advisers can set the interest rate, fees and Loan to Value ratio. The optimiser will determine the purchase amount. |
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