17 Aug 2017

Superannuation- Changes In The Reform

Superannuation- Changes In The Reform

As of July 1, the government has taken the following measures in order to make the superannuation system more sustainable and flexible enough to suit modern work patterns. New tax threshold for high-income earners is $250,000, leading to 15% tax increase and annual concessional (before-tax) contributions capreduced to $25,000. Non-concessional contribution […]

10 Aug 2017

Fixed Income : friend or foe?

Fixed Income

For the past 20 years, fixed income has been a friend to investors. The annualized return for domestic and global fixed income has by far exceeded global share returns. This success has many people questioning if fixed income might become a foe in friend’s disguise in the future. The answer is […]

14 Jul 2017

Retirement is no time to go on automatic pilot

Retirement

There is a tendency, once people retire, and have their lump sum invested or an annuity in place, to think that they won’t really need professional financial advice. What we can tell you from experience, is that the exact opposite is true. We find that we actually spend much more time […]

14 Jul 2017

Superannuation is a political football

Superannuation is a political football

No wonder they keep moving the goal posts. Every year, it seems, they change the rules – the retirement age, the contributions cap, and so it goes on. No wonder one in three Australians are concerned about legislative changes being made to super – what they mean and how to work […]

14 Jul 2017

You might retire sooner than you think

Based on research conducted in 2015, four in every twenty Australians retired early, but not because they chose to. It was due to health issues – illness, accident or developing a disability. Alarmingly, only one in twenty of them had a plan in place to deal with that eventuality. When you […]