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Salary sacrificing super
September 26, 2022Superannuation
Salary sacrifice is an arrangement with your employer to forego part of your salary or wages in return for your employer providing benefits of a similar value. One example of a salary sacrifice arrangement is to have some of your salary or wages paid into your super fund instead of to you. If your employer...Read More
Dr Shane Oliver - Head of Investment Strategy and Chief Economist, AMP Capital Like a circle in a spiral, like a wheel within a wheel, Never ending or beginning, on an ever spinning wheel. As the images unwind, like the circles that you find, In the windmills of your mind. https://www.youtube.com/watch?v=qJAVP7jP0bI Introduction Cycles are part...Read More
How your super or non-super income stream is taxed
September 19, 2022Superannuation
How much tax you pay on retirement income depends on your age and the type of income stream. For most people, an income stream from superannuation will be tax-free from age 60. How super income streams are taxed Types of super income streams Income from super can be an: account-based pension — a series of...Read More
How much money do I need to retire?
September 12, 2022Retirement Planning
When I retire, will I have enough money to enjoy the retirement lifestyle I envision? It's a question many of us will need to ponder at one point. It’s a question most of us will need to ponder at some stage in our lives. When I retire, will I have enough money built up in...Read More
The pros and cons of investing in the Australian residential property market and your options for building an investment portfolio using property. Unlike buying a home to live in, an investment property is usually bought with the goal of making money. Investing in property is a popular way to invest money in Australia, but before...Read More
Aged care fees and charges
September 6, 2022Aged Care
So it’s time for you or a loved one to consider going into residential aged care? But what exactly will it cost? Things can get a little complicated when it comes to aged care fees and charges as there are a number of factors that are likely to impact the cost. This article is designed...Read More
The Financial Planning Process
September 6, 2022Financial Planning
A financial plan is your monetary ‘blueprint’ as you go through life. It provides direction to your financial goals, and helps you take control of your income, expenses and investments. The financial planning process is a step-by-step plan that helps you identify your current financial situation – and your financial goals and objectives into the...Read More
Advantages of Income Protection
September 6, 2022Insurance
What is income protection insurance? What happens if life throws you a curve ball in the form of sickness or injury and you’re not able to work? Would you have enough money put aside to cover your expenses for the next few weeks, months or even years? Income protection insurance is insurance that covers a...Read More
How to turbocharge your investment returns
September 5, 2022Wealth Creation
If you’d invested $10,000 into the whole Australian share market back in 2002, your initial investment amount would have grown to almost $50,000 by 30 June 2022. It’s a huge gain. Around 385 per cent to be precise. And, to achieve it, all that you would have needed to do is reinvest all the Australian...Read More
Term deposit vs savings account
September 5, 2022Financial Planning
Term deposits offer certainty and savings accounts offer flexibility. Here are some other common features and benefits of each. Putting your money into a savings account, or in the alternative, a term deposit, are two common methods of saving. Working out whether either of these options are right for you depends on your personal and...Read More