At some point in our lives, we borrow money to help us to achieve our goals; buying our dream home, a new car or an investment portfolio. There are numerous types of debt, each with their unique characteristics. Non-deductible debt The main types of non-deductible debt are home loans, car loans and credit cards. As they are for personal use, the interest on the debt is not deductible hence the…
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Owning insurance inside superannuation can be a tax-effective way to structure the insurance cover you need. What are the benefits? Premiums may be paid tax-effectively. Your cash flow may improve because premiums are not paid personally. After-tax contributions to super may be eligible for the co-contribution to help cover the cost of premiums. Some funds automatically accept you for cover…
Financial planning is about more than just investing for the future. It’s also about protecting wealth. The common belief that “it won’t happen to me” results in many people having a sound plan for wealth creation but not for protecting the very thing that generates wealth. No matter how much expert advice you receive or how well you manage your finances, there is always a risk of serious illness…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. Understanding Insurance Maintaining appropriate insurance cover is a critical aspect of…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What are Commodities? A wide variety of marketable items or goods traded across global…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What are Hedge Funds? Hedge funds are pooled investment vehicles that utilise non…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is Private Equity? An investment in Private Equity involves investment in…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is Key Person Insurance The most valuable resource of any business is its staff…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is an investment bond? An insurance or investment bond ("investment bond") is a…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is an annuity? An annuity is a contract, typically with a life insurance company…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is a Transition to Retirement strategy? You can use a Transition to Retirement…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What are Futures? A future is a contractual obligation of the buyer or seller to…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What are Options? An option represents a right (if “long”) or an obligation (if “short…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is an account-based pension? An account-based pension is a tax-effective…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is Foreign Exchange (FX)? Foreign exchange, known as FX or Forex, involves the…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is Estate Planning? It is not easy to overstate the importance of Estate Planning…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What are asset classes? An asset class is a group of securities which exhibit similar…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. Understanding superannuation contributions You may contribute to your superannuation…
It is fundamental to the quality and relevance of our advice that we have a shared, in-depth understanding of your financial position and investment profile. We regularly check that your investment profile is up to date to ensure that we continue to serve you in your best interests and that we keep abreast of any changes that may have a bearing on the advice that we provide. This fact sheet…
This fact sheet provides further information to help you understand some of the investment, tax and financial planning concepts discussed in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. The Risk and Return Relationship The trade-off between risk and return is central to investing: the possibility of realising…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What is Superannuation? Superannuation is an investment vehicle designed to assist…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What are equities? The term ‘equity’ refers to the residual value of a company after…
For many clients, being 'mortgage-free' is an important objective, potentially the most important. This goal is understandable, given the effects of compound interest, the drain on savings power and the peace of mind that owning your home outright can bring. For other clients, being 'mortgage-free' ranks equally with different objectives, with the primary goal being to create wealth for…
This fact sheet provides additional information to help with understanding the investment, tax and other financial planning concepts that we have discussed with you or included in your Statement of Advice. Please contact your adviser if there is any aspect on which you need further information or clarification. What are Money Market instruments? Money market instruments are highly liquid…