5 superannuation changes – and what you need to know

Jul 26, 2017

From 1 July 2017, Federal Government superannuation reforms came into effect. It’s important to understand how these changes could affect your financial strategy and retirement plans. Click here to read more. Read More

Help your kids avoid the debt spiral

Jul 21, 2017

If you’re a parent concerned about the spending habits of your son or daughter, you’re not alone. Here are some simple suggestions to help your loved ones take back control and stay out of debt. When you’re young and living life to the full, it can be tempting to see your credit card as a... View Article Read More

Goals first, strategy second

Jul 11, 2017

If you haven’t figured out your lifestyle goals for the future, your financial strategy is like a journey without a destination. When you’re creating a financial plan, it’s tempting to focus purely on the money aspect – for example, how much your weekly budget is, or how much your investments are likely to grow. But... View Article Read More

Is an SMSF right for you?

Apr 24, 2017

If you’re thinking of setting up a self-managed super fund (SMSF), there are lots of things you need to consider first… Full article Read More

How much will your child’s education cost?

Feb 21, 2017

Your child’s education is an important investment in their future. Getting it right takes careful planning, which means you need a true understanding of the costs involved. As every parent knows, a quality education is one of the most important foundations you can provide for your child. The costs of schooling can really add up... View Article Read More

Investment choices: Bonds

Jan 13, 2017

Investment bonds can provide you with a simple, tax-effective, long term investment. They are also known as insurance bonds, and are ‘tax-paid’ life policy investments. This means the life company pays the tax on the investment earnings, making them potentially a tax-effective way to invest. What are the advantages of bonds? Tax effective investing One... View Article Read More

Investment choices: Exchange Traded Fund (ETF)

Dec 8, 2016

What is an Exchange Traded Funds An Exchange Traded Fund (ETF) is an investment fund traded on stock exchanges, much like shares. An ETF can hold assets such as shares, commodities or bonds. ETFs usually track the performance of an index, giving investors access to an instantly diversified portfolio. ETFs are open-ended funds, meaning investors... View Article Read More

Is your employer paying your super?

Dec 7, 2016

A report titled “Overdue: Time for Action on Unpaid Super” has been prepared by Phil Gallagher (Former director of Treasury’s retirement income modelling taskforce) on behalf of Industry Super Australia showing that 30% of entitled employees did not receive their full superannuation contribution payments into their superannuation accounts in the 2013/14 financial year. https://www.theguardian.com/australia-news/2016/dec/05/compulsory-super-employers-fail-pay-billions-every-year-report-shows The... View Article Read More

Investment choices: Shares

Dec 2, 2016

Investing shares A shareholding is part ownership of a listed company. The shareholder receives dividends or income from their share investment and the company is able to raise valuable equity capital to fund its growth and operations. The shares can then be sold on the stock exchange and a potential capital gain realised if the... View Article Read More

Investment choices: Managed funds

Nov 21, 2016

There are many types of investment vehicles to choose from, with managed funds one of the most popular choices in Australia. Here are some of the reasons for investing in managed funds. What is a managed fund? Managed funds pool the money of many individual investors. This money is then invested by a professional fund... View Article Read More