News & Information
Published: 24 December 2018
With the 2018 Calendar year coming to a close, we thought we might take a moment to recap the year that’s been. After years of stability and complacency, volatility crept in the front door of financial markets and made its presence felt. Volatility in equity markets (February & October), volatility in Property (House Prices), volatility also experienced in currency markets and cryptocurrencies.
Published: 16 October 2018
Super is a long-term investment and super funds invest our money with the intention of growing our funds for the future. Many super funds offer a range of investment options you can choose from and what you choose will depend on how much risk you are willing to take.
Published: 10 October 2018
With constant changes in the economy and the fluctuations in the market we’re always looking for ways to continue to build our wealth. To be able to build we need to have a starting point. While everyone is different financially, we can all use these basic 5 building blocks as our foundation to help us grow financially.
Published: 31 August 2018
Income protection insurance is insurance cover designed to act as an income replacement for a specified period when you are unable to work due to illness or injury. Income protection insurance usually cover up to 75% of your salary and often, insurance providers may give you the option to add additional riders such as a super guarantee option or an increasing claims option. At the time of completing the application you will need to choose an appropriate benefit and waiting period.
Published: 29 August 2018
Term Deposits are an easy, simple and useful way to invest your funds that can help you save some extra money. But what exactly is a term deposit? Well, as the name denotes, a Term Deposit is a sum of money that is invested, or deposited, for a fixed amount of time, a term, at a fixed interest rate over the period of the investment.
Published: 16 August 2018
As it currently sits, any individual between the ages of 65-74 with a superannuation balance under $300,000 must satisfy the work test for each year they wish to make a non-concessional (after-tax) contribution. The work test states that an individual must have been gainfully employed for at least 40 hours for a period of not more than 30 consecutive days in the financial year they wish to contribute.
Published: 14 August 2018in Our Financial Advice Offering, Self Managed Superannuation Funds (SMSF), Investment Advice - Anthony Stedman
With many Australians having more than one employer It’s not uncommon for people to have Super Guarantee from Multiple Employers paid to separate funds. We often find employers simply default their employees to a single fund leading to multiple Superannuation Guarantee accounts with various Superannuation providers. Those individuals fortunate enough to have a high paying job can sometimes run into difficulty where Super Guarantee Contributions are concerned.
Published: 10 August 2018
Do you need a financial advisor when choosing between the name brand can of tomatoes or picking up the cheaper store brand can. Clearly not… But, the financial decisions that we make day to day eventually all add up and impact on our financial futures.
Published: 06 August 2018
If you’ve recently considered getting financial advice from a professional, you may have found yourself a tad overwhelmed with the plethora of information available on the web and the multitude of sources of Financial advice available, from receiving financial advice from your personal banker to a professional of an independently owned financial practice, the list is endless. To help in your pursuit of obtaining expert financial advice, we’ve compiled a 5-step guide to help point you in the right direction.
Published: 09 July 2018
When looking at obtaining insurance there are always a number of questions that come up such as, what type of cover do I want? How much cover do I want? Do I want my cover to be held inside or outside of super? These are all important questions to ask when considering insurance cover.