When considering an investment strategy, we are faced with the situation of deciding whether we want to actively or passively manage our investments. What are the differences between one and the other? Which is the most recommended? Here’s a breakdown of how active and passive investors typically differ. What is Active Investing? Active investing refers to an investment strategy…
You may have heard that by making voluntary super contributions you can increase your retirement savings, but did you know that you may also be able to reduce the amount of tax you pay? Salary sacrificing has turned into a popular strategy for employees on middle-to-high incomes to boost their retirement savings and pay less…
If you hold life insurance as part of your financial plan, you have taken the heavy lifting off you and your loved ones. However, it is important to consider that as your life changes, so will your insurance needs. It is vital to regularly re-evaluate your coverage, especially after any life changes. We provide three…
We have witnessed a lot of talk in the media regarding the appropriateness of Self-Managed Superannuation Funds (SMSF), this has been driven largely by the findings by the Royal Commission and Productivity Commission. Do you need $1 million to start a SMSF According to the Productivity Commission recommendations, yes. But that would also have…
Curve balls. They’re unexpected, often deceptive and it’s impossible to predict their trajectory. That’s why they’re so devastating – in sport and in life. There’s some interesting data now available about the kind of curve balls that can impact your life, your finances and your retirement. One in three Australians could be disabled for more…
Investment bonds may help you meet the twists and turns of life and your long-term investment goals in a number of ways: tax-effective benefits for wealth creation and the generational transfer of that wealth goal-specific and flexible investment solutions for different life stages an investment solution with greater choice and control on ‘what’, ‘how much’…