Get your savings moving faster Sooner or later, most of us find ourselves thinking seriously about our long term personal goals and how we are going to achieve them. Perhaps you have already started to save, but have found that credit card and other bills undermine your plans. Whatever your issue, here are […]
Are you keeping your finances healthy by doing the right thing at the right time? Taking the best action at the optimum time can be crucial to your financial future. Accumulators (aged 25–45) Start a monthly investment plan ‘Pay yourself first’ rather than create unrealistic budgets. Salary sacrifice into super while other financial […]
Is insurance inside super a good strategy? While we all know that structuring your insurance inside a superannuation fund can be tax effective as well as cost effective; not everyone is convinced that the benefits can outweigh the restrictions. The common concern is the perception that the benefits will get “stuck” in the super fund […]
Everyone has their own reasons for taking out life insurance. But one thing we all have in common is the need to hang onto it. Do you remember what prompted you to first talk to a financial adviser about life insurance? For many people, it’s when life stopped being about just you. Like when you […]
Two things in life are certain: death and taxes When someone passes away, although there are no official death duties, beneficiaries often inherit tax liabilities as well as assets. But there are ways to minimise these potential tax liabilities, reducing the effect of at least one of life’s certainties. First steps The first step in […]