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Investor confidence in a market downturn

Investor confidence in a market downturn

Monday 18 May 20

Investment markets have had quite a ride this year.  While many have had their focus on how to manage social distancing and other challenges, some are also concerned about what's happening to their superannuation or other investments.The above graph shows the plunge that we had

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Coronavirus and Your Superannuation

Coronavirus and Your Superannuation

Friday 13 March 20

We do live in interesting times.  Investing in toilet paper and sneezing into your elbow are ideas that most of us never considered before.  By the way, the tissue issue isn’t a big deal – I was able to buy a 16 roll pack this

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What is a Financial Plan?

What is a Financial Plan?

Thursday 31 October 19

A financial plan is something that is very practical and helpful.  It helps you to work out what you need to do to get where you want to go.  And it also can become a tool to evaluate your progress along the journey.  James Massey,

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Why have insurance?

Why have insurance?

Thursday 12 September 19

Why bother?  When it comes to insurance, that is a reasonable question, given that it’s going to cost you money.  So, what should you do about insurance?If you are a gambler, you might take one of two approaches: Not get any insurance with the hope and

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Superannuation Savings for First Home Buyers

Superannuation Savings for First Home Buyers

Wednesday 01 May 19

First home buyers will be allowed to salary sacrifice up to $15,000 per year until they reach a total of $30,000 of contributions.  That money along with a ‘deemed’ investment return can then be drawn from super and used for the purchase of their first

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Good Debt, Bad Debt

Good Debt, Bad Debt

Wednesday 01 May 19

A couple of generations ago, the view of debt was very different than today. I grew up between those generations. My father saved like crazy for about three years, then built a brand-new home with something like $10,000 from the bank. I imagine that he

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Sources of Retirement Income

Sources of Retirement Income

Friday 01 March 19

Retirement income can come through a number of different sources: Centrelink benefits, defined benefits, investments outside of superannuation or from superannuation income streams. Part time paid work is also a possibility. Let’s have a glimpse at several of them. Aged pension Life in Australia has

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The Fundamentals of Investment Property

The Fundamentals of Investment Property

Friday 01 February 19

Property investments can be loved, endured or fled from. Investors have had all kinds of experiences with them. Perhaps you have had that experience yourself. Given that investment properties can be either wonderful or a disaster, how can a person be reasonably confident of being

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The Home Stretch towards Retirement

The Home Stretch towards Retirement

Tuesday 01 January 19

Some of us are getting a bit more serious about our superannuation. In the early days it was something for a time that was so far away, why worry? Now we wish we had taken it a bit more seriously. But it may not be

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Why use a Family Trust

Why use a Family Trust

Saturday 01 December 18

The smart money is still in family trusts, even though the tax man has been chipping away at them. The ability to arbitrage tax between family members, protect assets from creditors, and help with succession planning makes them as useful as ever in wealth creation.

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