SMSF vs Wraps
There is a growing trend towards investors managing their own superannuation ($68.7bn in 2000 compared to $594.8bn in 2015[1]). With so many funds being managed outside of the large retail and industry superannuation funds, careful consideration should be given to the products and structures that hold these savings. This swift rise in the popularity of […]
Regular Geared Investment
I often get the question: What is gearing? It’s one of the big catch words of the industry and it is essential to understand if you’re wanting to be a successful investor. Gearing refers to leveraging your position in the financial market to maximise the effectiveness of your investment. That is, using tax effective borrowing […]
Federal Budget 2015
Currently reviewing the 15/16 Federal Budget and looking at how announcements will affect our clients. We will be in contact with those affected to make the most of any incentives or reposition to accommodate changes. Great to see no change to Superannuation tax, franking credits and negative gearing. For new clients please contact us to […]
Are you underinsured? The personal protection essentials
Do you rely on the standard protection in your superannuation fund? The average super fund insures for around $200,000 for life insurance and often doesn’t have any income protection at all. Take a moment to think about your expenses: how much is left on your mortgage? What about school fees, car payments, bills, rates, etc. […]
Tax effective investment in a low interest environment: what’s next for Melbourne investors
With the cash rate kept on hold at a low 2.25% (RBA reports April 2015) and tipped to fall further in the coming months, those who are shy of investing need to consider their options. This low rate has led to a fall in interest rates on savings, term deposits and high interest accounts – […]
Have you considered your share market options? Quality financial advice is a must for Melbourne investors.
With the property market booming and the local share market recently hitting a seven year high, I have found myself having conversations about whether or not this is just like the pre-GFC high. As with any big news in the market, it is always prudent to contact your Financial Planner to see how this news […]
Invest for your lifestyle and make the most of the wealth you build
Traditional thinking about why to invest can be very restrictive and might be stopping you from getting the most out of your money. Think of how your investment can work for you and allow you to do the things you want, sooner. Investing in shares and other more conservative options is a great way to […]
Have you got your plans in place for 2015? Good Financial Advice can really help.
With the new year fast approaching many people, no doubt have sorting out their finances somewhere on the list. If not then its also likely that other items on the list will require money of some sort in order to achieve them. Take for example a fitness goal, this is most likely to have an […]
