Australians are living longer & therefore need to think carefully about their finances before they retire.  Salary sacrificing has had a lot of good press lately but is that the only alternative & indeed is it the best choice to maximise wealth before retirement? 

We believe that the answer to that question is not purely a mathematical equation because each individual has a different risk tolerance. It would be nice to be able to start weighing it all up from some standpoint however and that is exactly what we will be doing in our next investment workshop.