Latest Articles
Latest News
One of the main roles a financial adviser plays is to give you licence to enjoy the thrill of retirement. A key part of that work is eliminating income shrinkers, sub-optimal choices that can cramp your retirement lifestyle. Here are three common income shrinkers and how you can avoid them with the help of your...Read More
Scammers are skilled at tricking you out of your money. Knowing the signs of a scam can help you identify when something doesn't feel right. Scamwatch, run by the National Anti-Scams Centre (NASC) says: Stop - Don't give money or personal information to anyone if unsure Think - Ask yourself could the message or call...Read More
Overview If your relationship with your spouse ends, you should be aware of what can happen to the super entitlements of you both. The Family Court and super-splitting laws generally enable super interests (accounts in super funds) or super payments (pensions or annuities) to be split by agreement or court order if a relationship breaks...Read More
Your super isn’t automatically included in your will, unless you've given certain instructions to your super fund first. Deciding who gets your super when you die isn’t as simple as having a will. That’s because wills typically only cover assets you own personally, such as houses, cars, investments, jewellery and other personal items, whereas super...Read More
Entering the real estate market has become increasingly tough in recent years. The median price for a house in Adelaide was $410,000 in 2013 and $740,000 as at Dec 2023.1 Housing affordability has been further eroded by rising interest rates. Becoming a first homeowner in Australia in 2024 is very difficult. More than 60% of first...Read More
Bonds can provide a stable source of income and can protect the money you invest. They are considered less risky than growth assets like shares and property, and can help to diversify your investment portfolio. What is a bond When you invest in bonds, you’re lending money to a company or government. In return, you...Read More
If you’re lucky enough to have received a windfall, perhaps an inheritance or a retrenchment payout, your first decision will be what to do with it. Assuming you have decided against a shopping splurge, finding the best place to invest a lump sum is all about the effect on your tax bill and how soon...Read More
More Australians can make up to three years’ worth of non-concessional super contributions in the same financial year, with the government making this option available to individuals up to the age of 75. Individuals aged up to 75 are able to make up to three years of non-concessional super contributions under the bring-forward rules. Previously,...Read More
Give me the main points The most important reason to consider taking out life insurance is to protect your family if you die or become unable to work. There’s a good case for anyone with dependants or people who plan to have dependants to take out life insurance. Life insurance policies can be bought through...Read More
Adding to your super You can boost your retirement savings by making voluntary super contributions, such as by: setting up a salary sacrifice arrangement with your employer making personal super contributions (and a non-concessional contribution may make you eligible for the government's super co-contribution) transferring any super you have in a foreign super fund arranging...Read More