In a field one summer's day a Grasshopper was hopping about, chirping and singing to its heart's content.  An Ant passed by, bearing along with great toil an ear of corn he was taking to the nest.
"Why not come and chat with me," said the Grasshopper, "instead of toiling and moiling in that way?"
"I am helping to lay up food for the winter," said the Ant,"and recommend you to do the same."
"Why bother about winter?" said the Grasshopper; we have got plenty of food at present."  But the Ant went on its way and continued its toil.  When the winter came the Grasshopper had no food and found itself dying of hunger, while it saw the ants distributing every day corn and grain from the stores they had collected in the summer.  Then the Grasshopper knew:
It is best to prepare for the days of necessity.

I believe this fable relates to financial planning in two ways.

Firstly, as a risk protection strategy. It is easier to lay up a small amount of money every month to fund an insurance policy that will deliver a large cache in the “winter” of an illness or injury, providing much needed funds at a time of high emotional and physical stress, than to search for or not have the money in times of critical need. Insurance takes away the financial stress, giving you peace of mind and greater capacity for recovery.

Secondly, as a retirement strategy. Regularly saving today towards your future retirement ensures that when you reach the “winter” of your life, you have the “stores” (resources) to fund your lifestyle.

It is best to prepare for the days of necessity and a good financial plan will see you thrive in all stages and ages of your life.

To discuss your “lay up” strategy and plan your financial future, contact us today on 02 9417 6011 or email