The morning after the night before

Published: December 12, 2013

It’s always the same. You’ve hit it too hard over the festive season and come New Year’s Day you feel like a wreck. The physical hangover is the easy bit—pop a vitamin, brew a strong pot of coffee and get some rest. But it’s the emotional and financial hangover that can take longer to shift. […]

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Low rates, high expectations

Published: December 12, 2013

What’s behind the increasing hope about the recovery in non-mining sector growth? The mining boom has largely run its course and there’s been a lot of uncertainty about what that means for the Australian economy, with some predicting a recession. Fortunately, the Reserve Bank has cut interest rates quite aggressively, leading to a pick-up in […]

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Be prepared!

Published: December 12, 2013

The recent bushfires in New South Wales have had a devastating effect, with insurance losses so far estimated at more than $183 million.[1] While loss of life has fortunately been minimal, many people have suffered the loss of their home and priceless memories. By 2020, the annual cost of bushfires is estimated to rise to […]

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Breaking the mould

Published: December 12, 2013

Today’s modern family is almost unrecognisable from traditional households, according to the latest AMP.NATSEM report. 1 Life is more complex, family structures are more varied and the challenges of the modern age are placing ever greater pressure on the way we live. Today’s modern family usually starts with a couple living together before marriage, perhaps […]

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MySuper is coming!

Published: December 12, 2013

The government’s MySuper reforms take effect from 1 January 2014. If you haven’t made an active investment choice about where to invest your retirement savings, your employer will be required to pay your super contributions into a MySuper offering from 1 January 2014. What’s MySuper about? Currently, when you join a super fund, you can […]

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New year, new job?

Published: February 27, 2013

Just because you're changing jobs doesn't mean you need to change your superannuation account. But if you start a new job and don’t ask your new employer to make your super guarantee contributions to your existing super account, they may open a new super account for you and make your super guarantee contributions to that […]

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The right cover – for a lifetime

Published: February 27, 2013

The children are all grown up, the school fees are behind you and the mortgage is paid off. So there’s no more need for insurance, right? Not always. Feeling the squeeze Almost one in five Australians now lives in a household with two or more generations of related adults aged 18 years or older.[1] And […]

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Towards more positive trends

Published: February 27, 2013

What type of investment solutions could hold investor interest in 2013? Although in hindsight it made sense to have invested in term deposits and bonds over the past few years of equity market volatility, now that the global economy is in a recovery mode, it may be worth investors reconsidering this approach. The yields on […]

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A high return on ‘educational’ investment

Published: February 27, 2013

Australians are increasingly participating in education according to Smart Australians[1],the AMP.NATSEM Income and Wealth Report, which explores two key concepts in our society – education and innovation. This is great news, and as the report states the quality of education and the capacity to innovate are critical to a nation’s prosperity.  The report uncovers key […]

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For better… or for worse…

Published: February 27, 2013

When you’re part of a couple, there are plenty of ways to juggle your joint finances and grow your super. If one of you is working less, the partner with the higher income could reduce their tax by making spouse contributions. If your spouse has an assessable income of less than $13,800 for a given […]

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