SUPERANNUATION PLANNING & ADVICE

The role of estate planning in super

If you are thinking that a so called ‘Self-Managed’ superannuation fund (SMSF) might be suitable for you, one of the critical areas to address in the set-up phase is how …

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5 step superannuation check

Since you can’t access your superannuation until you reach a “Condition of release” which is for most people is retirement and that may be a long way off for some …

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The future for retirement

Research over recent years suggests that the secret to a long and healthy life is to continue working and to stay in control of your finances and life. The nature …

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Accessing super & qualifying age for the age pension

There is no strict retirement age in Australia. For many people, the age at which they consider retiring from the workforce is generally decided by a couple of factors: The …

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5 Strategies to prepare for the pension assets test changes

There are a number of strategies that retirees can implement to help them retain or improve their cash flow when changes to the pension assets test take effect. Over 300,000 …

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Seven habits of highly effective investors

If you’re feeling a little bombarded by news about the US and Australian elections, Brexit fallout, RBA interest rate cuts, anaemic global growth—you’re not alone. In a low-return, high-volatility world, …

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Super or the mortgage – a case study

Many people wait until their home loan is paid off before investing more in super. However, if you are currently making more than the minimum home loan repayments, you may …

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Insurance in super – is your cover adequate?

You have insurance cover in your superannuation right? You probably think you’re adequately covered, yet if something were to happen to you, you might be in for an unpleasant surprise …

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Important changes to the age pension in 2017

From 1 January 2017, there are some important age pension changes that could impact your benefits and warrant some pre-emptive action. What’s changing? The lower asset threshold that determines your …

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Closing the super savings gap

While as a nation we collectively face a large retirement savings gap, there are a number of smart things you could consider doing to help make sure your future financial …

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Do you have a “modest” or “comfortable” lifestyle?

Modesty and comfort are both in the eye of the beholder to a certain extent. But have you ever wondered how your retirement plans (or retirement reality) stack up against …

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Do you know what it takes to be a SMSF trustee?

Before you set up a self-managed superannuation fund (SMSF) you need to ensure you are eligible to be a member and trustee, and understand your responsibilities. Who can be a …

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A few interesting facts about retirement

Given the financial demands of everyday life, planning your retirement may be a relatively low priority. You may also think that you have plenty of time to plan. But before …

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A tale of two retirements – which would you choose?

Sam and Sally Smith have worked hard all their lives, paid their taxes and, now they have retired, they feel they are entitled to a full age pension. Jan and …

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What is an annuity?

The term ‘Annuity’ is often mentioned in the financial press or TV advertising, but what actually are annuities and how do they work in practice? The word annuity itself originates …

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