IOOF AdviserConnect
Technical strategy support: TechConnect
Segmentation strategy matrix
Find out more
For more information on the IOOF TechConnect team or any of the IOOF AdviserConnect services, please:
• Speak to your business development or relationship manager.
• Go to www.ioof.com.au/adviserconnect.
• Call adviser services:
– For IOOF Pursuit please call 1800 659 634.
– For IOOF Alliances please call 1800 205 951.
IOOF Investment Management Limited, ABN 53 006 695 021, AFSL No. 230524
CRA-255
0814
– For IOOF Employer Super please call 1800 333 909.
LIE
= Income
Low Income
Earner
<$35K
Low
Earner
(<$37K
pa)
Wealth Accumulators
(Age under 55)
Pre Retirees
(Age 55-65)
Retirees
(Age over 65)
Superannuation
Superannuation
Superannuation
Determine what type of super fund
to use
Commence a transition to retirement
pension
Commence an account based super
pension
Establish death benefit nominations
Commence a super splitting strategy
Personal deductible contributions
Complete a re-contribution strategy
Establish a super pension reversionary
election
Transfer of UK pension funds
Determine what type of super fund to use
Establish death benefit nominations
Utilise the Government co-contribution
Establish an SMSF
Investment
Establish death benefit nominations
Review existing complying income
stream
Consolidate non-deductible debts
In-specie contribution to super
Establish a regular savings plan
Non-concessional contribution
Insurance
Personal deductible contribution
Establish business insurance needs
Sell down investment assets and
contribute to super
Determine whether insurance policies
should be purchased inside super
Transfer of UK pension funds
Establish income protection insurance
Utilise government co-contribution
Establish life insurance needs
Investment
Establish TPD and trauma insurance needs
Consolidate non-deductible debts
Estate planning
Establish a dividend reinvestment scheme
Establish testamentary trust provisions
Invest an Employment
Termination Payment
Update Will and establish enduring
powers of attorney
Investment
Commence a regular drawdown
from investments
Utilise proceeds from downsizing home
Estate planning
Establish testamentary trust provisions
Update Will and establish enduring
powers of attorney
Tax
Commence distributing family trust assets
Utilise small business capital gains tax
concessions
Regular savings plan
Pay out dividends from private
investment company
Gearing
Repay non-deductible debt
Aged care
Implement a positive gearing strategy
Repay non-deductible debt
Utilise existing capital to assist with
annual cash flow requirements
Review home and residential
care strategies
Government support/social security
Insurance
Government support/social security
Claim the baby bonus or apply for paid
parental leave
Establish income protection insurance
Apply for the Commonwealth Seniors
Health Card
Maximise childcare entitlements
Estate planning
Maximise Family Tax Benefit Parts A and
B entitlement
Complete a business succession plan
and establish buy/sell contract
Apply for low income health care card
Establish testamentary trust provisions
Maximise Newstart Allowance entitlement
Update Will and establish enduring
powers of attorney
Establish business insurance needs
Tax
Salary packaging
Utilise the small business CGT concessions
Gearing
Implement a positive gearing strategy
Government support/social security
Apply for Newstart
Apply for the low income Health Card
Maximise Family Tax Benefit
Part A and B entitlement
Commence gifting strategy in line with
social security limits
Apply for the age pension
LIE =Income
Low Income
<$35K pa)
Medium
EarnerEarner
($37K-$180K
Wealth Accumulators
(Age under 55)
Pre Retirees
(Age 55-65)
Retirees
(Age over 65)
Superannuation
Superannuation
Superannuation
Determine what type of super fund to use
Establish death benefit nominations
Commence a transition to retirement
pension
Commence an account based
super pension
Personal deductible contributions
Commence a super splitting strategy
Salary sacrifice to super
Complete a re-contribution strategy
Establish a super pension reversionary
election
Split contributions with spouse
Determine what type of super fund to use
Establish death benefit nominations
Transfer of UK pension funds
Establish an SMSF
Utilise gearing within a super fund
SMSF business real property
Review existing complying
income stream
Utilise the Government co-contribution
Review SMSF investment strategy
Establish an SMSF
Establish death benefit nominations
SMSF Business real property
In-specie contribution to super
Investment
Non-concessional contribution
Consolidate non-deductible debts
Personal deductible contribution
Establish a family trust
Salary sacrifice to super
Establish a regular savings plan
Sell down investment assets and
contribute to super
Establish an investment for a minor
Insurance
Establish business insurance needs
Determine whether insurance policies
should be purchased inside super
Transfer of UK pension funds
Utilise gearing within a super fund
Utilise the Government co-contribution
Investment
Consider SMSF windup
Consider SMSF illiquid assets
Consider SMSF exit strategy
Investment
Commence a regular saving plan for
the grandchildren
Commence a regular drawdown
from investments
Establish a dividend reinvestment scheme
Utilise proceeds from downsizing home
Estate planning
Establish testamentary trust provisions
Establish income protection insurance
Consolidate non-deductible debts
Update Will and establish enduring
powers of attorney
Establish life insurance needs
Establish a dividend reinvestment scheme
Tax
Establish TPD and trauma insurance needs
Invest an Employment
Termination Payment
Commence distributing family trust assets
Estate planning
Regular savings plan
Invest via an insurance bond
Repay non-deductible debt
Utilise small business capital gains
tax concessions
Complete a business succession plan
and establish buy/sell contract
Utilise existing capital to assist with
annual cash flow requirements
Pay out dividends from private
investment company
Establish testamentary trust provisions
Insurance
Aged care
Update Will and establish enduring
powers of attorney
Establish income protection insurance
Review home and residential care
strategies
Tax
Estate planning
Establish salary packaging arrangements
Invest via an insurance bond
Complete a business succession plan
and establish buy/sell contract
Utilise the small business CGT concessions
Establish testamentary trust provisions
Gearing
Commence a margin lending strategy
Update Will and establish enduring
powers of attorney
Implement a negative gearing strategy
Tax
Implement a positive gearing strategy
Invest via an insurance bond
Repay non-deductible debt
Salary packaging
Utilise a home equity loan
Utilise the small business CGT concessions
Utilise the Wealth Builder loan back facility
Gearing
Government support/social security
Implement a positive gearing strategy
Claim the baby bonus or apply for paid
parental leave
Utilise a home equity loan
Establish guardianship documents for
minor children
Maximise childcare entitlements
Maximise Family Tax Benefit Parts A
and B entitlement
Establish business insurance needs
Utilise the Wealth Builder loan
back facility
Government support/social security
Apply for Newstart
Maximise Family Tax Benefit Part A
and B entitlement
Government support/social security
Apply for the Commonwealth Seniors
Health Card
Commence gifting strategy in line with
social security limits
Apply for the age pension
LIE
= Low
Income
Earner
<$35K
High
Income
Earner
(>$180K
pa)
Wealth Accumulators
(Age under 55)
Pre Retirees
(Age 55-65)
Retirees
(Age over 65)
Superannuation
Superannuation
Superannuation
Determine what type of super fund to use
Establish death benefit nominations
Commence a transition to retirement
pension
Commence an account based
super pension
Personal deductible contributions
Commence a super splitting strategy
Salary sacrifice to super
Complete a re-contribution strategy
Establish a super pension reversionary
election
Split contributions with spouse
Determine what type of super fund to use
Establish death benefit nominations
Transfer of UK pension funds
Establish an SMSF
Utilise gearing within a super fund
SMSF business real property
Review existing complying income
stream
Establish an SMSF
SMSF review investment strategy
SMSF Business real property
Establish death benefit nominations
Investment
In-specie contribution to super
Consolidate non-deductible debts
Non-concessional contribution
Establish a regular savings plan
Personal deductible contribution
Establish an investment for a minor
Salary sacrifice to super
Commence a regular saving plan for the
grandchildren
Insurance
Sell down investment assets and
contribute to super
Commence a regular drawdown from
investments
Transfer of UK pension funds
Establish a dividend reinvestment scheme
Utilise government co-contribution
Utilise proceeds from downsizing home
Establish income protection insurance
Investment
Estate planning
Establish life insurance needs
Consolidate non-deductible debts
Establish testamentary trust provisions
Establish TPD and trauma insurance needs
Establish a dividend reinvestment scheme
Estate planning
Invest an Employment Termination
Payment
Update Will and establish enduring
powers of attorney
Establish business insurance needs
Determine whether insurance policies
should be purchased inside super
Establish guardianship documents for
minor children
Consider SMSF windup
Consider illiquid assets
Consider new member(s) and
voting rights
Investment
Tax
Regular savings plan
Commence distributing family trust assets
Repay non-deductible debt
Invest via an insurance bond
Utilise existing capital to assist with
annual cash flow requirements
Utilise small business capital gains tax
concessions
Update Will and establish enduring
powers of attorney
Insurance
Establish income protection insurance
Pay out dividends from private
investment company
Tax
Establish business insurance needs
Aged care
Establish a family trust
Estate planning
Establish salary packaging arrangements
Invest via an insurance bond
Complete a business succession plan
and establish buy/sell contract
Review home and residential care
strategies
Utilise the small business CGT concessions
Establish testamentary trust provisions
Gearing
Commence a margin lending strategy
Update Will and establish enduring
powers of attorney
Implement a negative gearing strategy
Tax
Implement a positive gearing strategy
Establish a family trust
Repay non-deductible debt
Establish an investment company
Utilise a home equity loan
Invest via an insurance bond
Utilise the Wealth Builder loan
back facility
Salary packaging
Government support/social security
Gearing
Claim the baby bonus or apply for
paid parental leave
Implement a positive gearing strategy
Maximise childcare entitlements
Utilise the Wealth Builder loan
back facility
Complete a business succession plan
and establish buy/sell contract
Establish testamentary trust provisions
Maximise Family Tax Benefit Parts A
and B entitlement
Utilise the small business CGT concessions
Utilise a home equity loan