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This material is provided for information only. No account has been taken of the objectives, financial situation, or needs of any particular person. Accordingly, investors should, before acting on the information provided, consider the appropriateness of the advice, having regard to the investor’s objectives, financial situation, and needs.
The current rate of compulsory Superannuation Guarantee (SG) is due to increase to 10% in July 2021. It has been frozen at 9.5% since July 2014 and there have been many arguments for and against increasing SG contributions from the current rate of 9.5% to 12%.
Read MoreWhen a family experiences financial difficulty due to loss of income when an immediate family member becomes seriously injured or ill, itis an extra stress at an already difficult, busy and emotional time. This is why appropriate insurance cover is a key consideration in any financial plan.
Read MoreFor many, the market volatility of 2020 has been difficult to navigate. Some people only realised that they had too much exposure to risk in their investment portfolio after markets fell dramatically.
Read MoreGetting the balance right between a safe spending rate and having enough income to enjoy retirement takes some careful planning. Investing for a reasonable return is one approach to helping your savings go the distance.
Read MoreIf you are over 55 (and have reached your preservation age) the Australian Government has made it possible for you to access your super as a non-commutable income stream while you are still working.
Read MoreAs human beings, we have a natural preference for things to stay as they are. It’s a tendency psychologists refer to as status quo bias. But in a world where change is a daily reality, sticking to the status quo could mean getting left behind.
Read MoreA recent National Seniors Australia report highlights that the majority of older Australians worry about outliving their savings. Much of this concern is driven by the fact that most retirees and pre-retirees don’t know how long they will live. As a result, they don’t know how long they need their savings to last and many under-spend because of this fear of running out. This fear can be alleviated with a good plan for retirement income.
Read MoreThe decisions you make when you are transitioning into retirement can be the most telling for financial security throughout your golden years. Why? Your accumulated savings pool is likely to be highest in the years nearing retirement – and just after you retire. Investment decisions made at this time can greatly impact your income down the track.
Read MoreIt could be fair to say that many Australians aspire to at least a “comfortable” retirement.
Read MoreWith life expectancies in Australia continuing to rise, you need to make sure your retirement savings can last the distance.
Read MoreChanges in the superannuation contribution caps, which kicked-in last year, give an added reason to keep a close eye on your contributions.
Read MoreThere seems to be some confusion among Australians as to the current retirement age, with some commentary linking this to the Age Pension age, others to the age at which you can access your superannuation.
Read MoreConsidering retirement and starting to plan the rest of your life, there are some important decisions you need to make. When you see a financial adviser, you might be surprised to find they’re not always financial.
Read MoreThere’s no doubt that your financial wellbeing is important to ensure you have a comfortable retirement. But, to make the most of it, it’s just as important to have a healthy mind and body.
Read MoreLast year the Government legislated an increase to the assets test thresholds and the assets test taper rate from 1 January 2017. If you are retired or approaching retirement, these changes could have an impact on your retirement plans.
Read MoreWhen – and how – should you retire?
Read MoreFrom 1 January 2017 Government changes to the age pension are likely to reduce pensioner entitlements. It’s important that you understand how the changes could affect you.
Read MoreMany of you will have seen the term franking credit appear on your share dividend statements, but what does a franking credit actually mean and how you can benefit?
Read MoreSpecialists Financial Advisers to high net worth families, company directors and city professionals
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