Investing for Income
Investing for Income
The search for income is a major driver for many Australian investors, particularly those who have retired and/or who are running a Self-Managed Superannuation Fund. As official interest rates have slipped over the last decade from 7.25% to a record low of 0.75%, it has become more difficult to generate income. Here is a snapshot […]
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EoFY Super Contributions
EoFY Super Contributions
Don’t leave your contributions to the last minute This is particularly important if you plan to claim a tax deduction for any of your contributions. Contributions are included in a financial year if they are received in your fund’s bank account by 30 June. With 30 June falling on a Sunday this year, it would […]
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Changes to Insurance inside Superannuation
Changes to Insurance inside Superannuation
The Federal Government recently passed the “Protecting Your Super” (PYS) legislation package. This is designed to provide better outcomes for superannuation members by preventing inactive superannuation accounts being eroded by insurance premiums. From 1 July 2019, Super Funds are required to cancel insurance cover for any members whose accounts are deemed “inactive” for a continuous […]
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Super opportunity for downsizers
Super opportunity for downsizers
After 1 July 2018, if you’re over 65 and sell your home, you can now put some of the money you receive into your super. How does it work? You can use the money from the sale of your house to make a ‘downsizer contribution’ to super of up to $300,000 or $600,000 for a […]
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The 2018-2019 Federal Budget has been announced – so what does it mean for you?
The 2018-2019 Federal Budget has been announced – so what does it mean for you?
On Tuesday 8 May 2018, the Federal Treasurer Mr Scott Morrison handed down the 2018-2019 budget. Whilst there was emphasis on bringing the budget back to surplus earlier than originally planned, as well as individual tax cuts, we have prepared a tax and superannuation brief to help break down all of the announcements and what […]
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Mark O’Connell wins Adviser of the Year award
Mark O’Connell wins Adviser of the Year award
  Mark O’Connell, who heads up our Allan Hall Financial Planning team, was named “Consultum Adviser of the Year” at the 2017 annual Consultum National Conference. The award, presented to Mark on Hamilton Island in October 2017 among all his Consultum peers, recognises outstanding Authorised Representatives who have gone the extra mile in providing professional […]
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Ten things to remember when markets are volatile
Ten things to remember when markets are volatile
From time to time, share markets will inevitably experience bouts of volatility due to a variety of reasons. Before you make any rash moves, consider our top ten key reminders. 1. Volatility is a normal part of long-term investing By having a mind-set that accepts volatility, you can prepare yourselves to remain focused on your […]
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Retirement is different for everyone
Retirement is different for everyone
Today, with Australians living longer and healthier lives, the concept of retirement is very different to what it was only one generation ago. Not only that, but for each retiree, retirement is different. When planning your retirement, there are typically four areas that need to be considered. 1. Define your retirement vision Everyone has a […]
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How to avoid investment behavioural traps
How to avoid investment behavioural traps
Many people don’t realise the greatest impact on their investment returns could in fact be their own behaviour. Here are four common behavioural traps you should be aware of: 1. Making decisions during market volatility When you see markets up one day and down the next, it’s easy to be nervous about investing, and this […]
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