10Jul

Future self-continuity: Preparing for the future

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Is your present self aligned with your future self? Although, this question may seem a little philosophical, it’s an important one to consider, as it may prompt you to evaluate whether you are engaged with not only your existing financial situation, but also your proposed financial situation in the future and the relationship between the […]

07Jul

Income protection: Supplementary provisions

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When it comes to funding your lifestyle expenses and accumulating wealth, one of the biggest resources that you have is your capacity to earn an income. If you were suddenly unable to work for a period of time due to a sickness or injury, Income Protection may be able to protect your earning capacity. When an Income […]

07Jul

Diversification fundamentals in portfolio construction

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Diversification, or spreading your risk, is a key risk management strategy used when constructing a portfolio whether inside or outside of superannuation. It’s the strategy commonly referred to as “not putting all your eggs in one basket”. The premise behind diversification is that no one asset or type of asset provides the best performance over all time […]

07Jul

EOFY planning: Tax and superannuation strategies

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As we approach 30 June, there are several end of financial year (EOFY) planning strategies you may wish to consider. Whether these are appropriate for you will depend on your financial situation, goals and objectives. Some of these strategies may help: 1. Reduce your tax bill 2. Build wealth for retirement 3. And, further your […]

07Jul

Aged care services: Home care packages

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As you progress further through your senior years, you may find that you need an increased level of assistance in your daily life. This assistance may come in the form of higher-level aged care services at home or in a residential aged care facility. The choice of aged care service may be dependent upon the […]

07Jul

Considerations for becoming a loan guarantor

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With the rise in housing prices and a relatively slow income growth, the capacity for some individuals to save an adequate deposit on a house or unit has become progressively difficult*. In light of this, to strengthen their loan application, some prospective new entrants may consider turning to family members for help via a loan guarantor arrangement. […]