If you are like I am in those Downshifting Cruisers or InBetween years then Optimising your resources when there are so many rule changes & rates are low make absolute sense.

I read in the Australian today that ‘more Australians are transitioning into retirement over a few years, with more working past the age of 65.’

I can relate to that & there are some reasons why I do.

I still can & I still want to contribute & I do have the experience & others have said wisdom that can do so.

Do I really want to complete a 28 online Centrelink pension application yet?

Let’s remain Aspirational.

Interest rates are low & so bank rates are half what I need them to be.

I am in great health & have places to visit on the bucket list.

e.g two of my tennis partners this month are off doing cruises out of Scandinavia & others I know have completed river cruises in Europe.

Unlike my peers the grandchildren have yet to bless me yet.

I am in those what I call the InBetween years.

Bernard Salt wrote recently in the Weekend Australian

And then there’s the 63-69 Downshifting Cruisers who have begun the transition to what we now call retirement but by the mid-2020s we will call the lifestyle stage of the life cycle.
Downshifting Cruisers get their name from their various pastimes and obsessions.

Downshifting is what happens when the kids leave home — finally — and the house seems empty and always in need of maintenance.

Although it must be said that downshifting to a smart apartment or a townhouse cannot occur until two preconditions are met:

first, that the kids have finally collected all their stuff that has been stored at mum and dad’s including kayaks and bikes;

and,
second,

that parents finally accept that it’s time to let go of the expansive garden where the kids’ pets are buried. It’s an emotional and existential transition that the young might find difficult to understand.

The second part of this lot’s nickname comes from their predilection for cruising. Not that they find cruising particularly enjoyable,

it’s more that no self-respecting 60-something can “do lunch” without discussing their recent cruise or their forthcoming cruise.

For your information there are 1.761 million Australians in the Downshifting Cruiser stage of the life cycle, but this will increase to 2.058 million within a decade.

And then we come to the largest, to the most interesting, to perhaps the best time in the life cycle,
and

that is the 70-79 Grandparent Helper whose entire existence is devoted to the care for, to the admiration of, to the enjoyment of, to the bragging about, their grandchildren.

Let’s not hold back here; let it all come out.

Hence it makes sense to optimise what you have & there are other options on our approved list APL which is for everyone's risk comfort that should be explored.

So you can call John McAuliffe on 07 3848 1088

or email This email address is being protected from spambots. You need JavaScript enabled to view it. or view

https://johnmcauliffe.com.au/ or PM today.

Take the 5 minute financial health check.

It would be or could be very worthwhile for you to do so.