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’…
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.…