4.4 Jack and Bindy are a married couple aged in their mid 30's. Jack works as a computer programmer at an investment bank earninga salary of $108,000 p.a. and Bindy is a secondary school teacher earning a salary of $65,000 p.a. They do not have any children although they are planning to have children in the next 3-5 years. The couple's investments and liabilities consist of the following: _- Cash at bank Term de - sit Minted fund xed interest Su-er-nnunnn lack -Bind Liabilities Hume mu ..ae 12% .... Car loan - 13% . a- Credit card \"16% -- The couple's superannuation funds are invested as follows: Jack 10% cash; 30% Australian fixed interest, 10% Property; 30% Australian shares; 20% international shares Bindy - 15% cash; 35% Australian fixed interest, 10% Property; 30% Australian shares; 10% international shares The couple are seeking advice on boosting their medium and long-term wealth. They have sufcient income to live from and so they are mainly seeking capital growth from their investments. During the first client interview, Jack repeatedly said \" I realise that markets are volatile and that in order to chase returns, you need to take some risk.\" They have not done much with their investment portfolio to date because they do not have the time. However, they are now seeking advice and are looking to he more actively involved with their investments