| Our Approach To Investing |
Our society is filled with so-called "experts" offering advice on what to do with your money. Unfortunately, the saying "If it sounds too good to be true - it probably is!" is usually proved right. If you want to invest successfully, there are a few things you should do, and a lot of things you shouldn't.
This topic looks at some of the issues we consider with our clients when advising them on how they should invest their money.
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| The Asset Classes |
There are four main asset classes that form the basis of most investments. Learn about what these asset classes are, the advantages and disadvantages of each and what sort of returns you can expect as an investor.
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Super
Co-Contribution |
The government co-contribution is a great way for employees to boost their retirement savings. Unfortunately, only about 20% of the people who are eligible are taking advantage of this measure. This document looks at the benefits of the co-contribution and helps you to determine how much you should contribute.
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NEW:
Non Commutable Pensions |
Changes to superannuation legislation now mean that people can begin drawing income from their superannuation fund after age 55 even when they are still working. For some people, this creates an opportunity to use their superannuation for their living expenses and have their before tax salary instead contributed to superannuation. Although taking money out of superannuation at the same time as you are putting additional money does not on the surface seem logical, there are actually significant tax advantages that can be obtained by doing so.
If you would like to know more, please contact our office for an appointment.
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| Independent Advice |
Most people getting financial advice expect the advice they get to be unbiased. Unfortunately, they are usually mistaken. There are a range of problems in this industry that can reduce the quality of the advice you are getting. The government knows about this and has put in place strict guidelines on which advisers can actually call themselves independent. This article discusses some of the issues you need to be aware of when looking for unbiased advice.
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NEW:
Super Contribution Splitting |
The government has recently introduced legislation to allow couples to share the contributions they receive to their superannuation from January 2006. Under this measure, a person can transfer up to half of their superannuation contributions for the year to their spouse. This is a great way of ensuring that even a non-working spouse has some accumulated superannuation available to them in retirement. This can result in a more tax effective retirement income for the couple.
Not all superannuation funds will offer the ability to split superannuation contributions. At this stage, it is too early to tell who will offer it and who will not.
If you would like to know more, please contact our office for an appointment. |
