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’…
Risk management is a significant factor when establishing your investment strategy. Many of us have either experienced or heard stories of share market ‘crashes’. So how do we deal with the risks and volatility inherent in share investing? Diversification It’s not always a great idea to put all your eggs in one basket by investing…
The Federal Government announced in its 2018/19 May Budget that on 1 July 2019, superannuation funds will be mandated to remove life insurance for members under the age of 25 and for those whose account balances are under $6,000. Only a few weeks later, the Superannuation Productivity Commission supported the measure in its draft report.…
Some of the most significant changes last year were felt the most by those with high balances in their funds, and employees who salary sacrifice into super. The ‘transfer balance cap’ was introduced from 1 July 2017 limiting the amount that could be transferred to a retirement phase income stream to $1.6 million. Amounts over…
Commonly, people look at saving and investing as being one in the same. However, both utilise a different approach and way of thinking. Saving is keeping some of your disposable income to achieve a short-term goal, it takes a conservative method that involves very little risk with your money. Conversely, investing, takes a higher degree…
The time is now. We see life insurance agents advocating life insurance policies everywhere we look. With so much pressure to conform, it’s difficult to know exactly when life insurance is a smart investment option for you. The answer, in reality, is that there is never a wrong time. Many people see life insurance as…