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| back to home :: solutions :: golden years |
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Retirement looms. It’s only a couple of years away, yet you still feel young and in control. You’ve invested time and money in your career, home and family. Now it’s time to think about what’s best for your future.
Not surprisingly, at this age you want to spend as little time
as possible on financial matters - which is why HSU Members Credit Union
has developed its
all-inclusive, one-stop financial concept; the Golden Years Solution.
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A flexible Retiree
Access Loan or the convenience of an HSUCU Home Equity
Loan.
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5% discount on quality home & contents insurance for your assets.
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Deeming account. |
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Free financial planning advice. |
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Essential estate planning service. |
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No transaction fees on savings. |
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Essential estate planning service accounts. |
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FLEXIBLE RETIREES ACCESS LOAN
The centrepiece of our Golden Years Solution is the Retiree’s Access Loan. The Retiree’s Access Loan is a variable rate reverse mortgage loan specifically designed to assist people who have reached or are nearing retirement age and own their home but have little cash for everyday living or things such as home renovations, an overseas holiday or a new car. Members are able to borrow against their home and repayments are then made from the owner’s estate or on vacating the property. These are very specific types of loans and conditions apply.
HOME EQUITY LOAN
Members who have yet to reach retirement, but have substantial equity in their existing property are able to take advantage of the equity for whatever purpose they desire.
HOME & CONTENTS INSURANCE
It's important to protect your assets with comprehensive insurance. That's why
we have included competitively priced home and contents insurance as part of
our Golden Years Solution.
DEEMING ACCOUNT
Our deeming account (S12) is specially designed to comply with the government's deeming rules for social security receipts. It pays competitive tiered interest calculated daily and members receive a free cheque book.
FINANCIAL PLANNING
HSUCU Financial Planning advisers can help you make the best use of your resources to maximise your income, asset growth and security. They provide advice and deal in a wide range of financial products including flexible at-call and term deposit options, securities, managed investment programmes, government debentures, shares, bonds and superannuation.
The initial consultation is provided free of charge.
ESTATE PLANNING
Our advisers will also help you to structure your financial affairs so that your assets are dealt with tax-effectively and according to your wishes in the event of your death or incapacity. Estate planning documents such as wills should be reviewed regularly and updated whenever your financial or personal situation changes.
EVERYTHING ELSE YOU NEED
While our Golden Years Solution incorporates most of the financial elements you are likely to need, we recognise that all of our members are individuals and have differing requirements.
To find out more, call HSUCU Direct on 1300 304 932 or
visit a Service Centre in
person.
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All products issued by HSUCU Limited. ABN 72 087 650 637 230 Clarence Street, Sydney, NSW, 2000. AFSL No. 238311. Terms & Conditions are available at our offices/service centres and on application, which you should read and consider in deciding whether to use any product.
* Terms, conditions, fees and charges apply and are available on Normal lending criteria applies.
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