Home ownership continues to be our Great Dream, yet according to Domain.com.au, many of us are investing in bricks and mortar much later in life. So, what does it take to bring this dream to life with retirement looming? There are many reasons you might purchase a home later in life: perhaps you’re starting fresh […]

Concentration risk. No, it’s nothing to do with thinking too hard about something. In fact, it’s more likely to be a result of not paying enough attention. Concentration risk is the increase in investment risk that comes about from not sufficiently diversifying your portfolio. In other words, too much money is concentrated in too few […]

The new super rules contain some good news

September 7, 2017

The 2017 superannuation changes provide new opportunities for you to finance the cost of your life insurance needs. The 10 percent rule is history! This rule prevented employees making additional tax deductible contributions into superannuation, even though their additional contributions were within the concessional (tax deductible) contributions cap. Outline of new measures From 1 July […]

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Investment properties – know your expenses

July 19, 2017

Rental properties often need upkeep and sometimes, more significant repairs. However, in the eyes of the Australian Taxation Office, not all types of expenditure are equal! For taxation purposes, there are three major types of expenditure property investors should be aware of, all of which are subject to different taxation treatments. Expenses that cannot be […]

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Where does the money go?

July 5, 2017

Share market losses cause many people to wonder where all the money goes during downturns or crashes. This short article explains the difference between a paper loss and a real loss. During market crashes or downturns we often hear of share markets ‘losing’ billions of dollars. But what happens to all that money and where […]

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Time to rethink your super strategy?

June 27, 2017

Imagine you were starting your career all over again. You have your whole working life in front of you. How would you set up your financial affairs? The superannuation system is by far the most attractive tax structure for long-term wealth creation. When you are building up your superannuation, you can salary sacrifice and pay […]

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What are managed funds?

May 24, 2017

Managed funds are one of the most common ways people can invest their money. Many large superannuation funds will use managed funds as a way to access the skills of investment managers and different types of investments. So how do managed funds work, what types are available and what are the risks involved? The Basics […]

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The financial effects of divorce after 50

May 19, 2017

Managing a divorce is difficult at any age but when it affects older couples, it can have different financial implications. This article identifies some of the financial issues and how to address them during this difficult time. With Australians marrying later in life and staying married for longer, the median age of divorce has risen […]

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Estate planning – the basic essentials

May 3, 2017

This detailed article covers the basic essentials of estate planning It is often said that death is final. However, a grieving family knows only too well that the death of a loved one can trigger events that may drag on for years afterwards, especially when it comes to sorting out the estate of the deceased […]

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Tried and true money tips

April 19, 2017

This article lists 9 sound tips that act as a good reminder for our readers in managing their money and encourages them to contact us if they need professional advice or a review.  Life gets so busy and the months soon roll into years when suddenly you find that your finances are off track and […]

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