The role of parent is challenging in so many ways. We are all busy providing for our children’s health, safety, growth and development. We make sure we protect our lives, our income and our major possessions. There are other ways we can protect our children from some of the more unfortunate things that may happen. It’s worth taking time to consider the option of Children’s insurance and the … [Read more...]
Helping your parents plan for the unexpected
April 8, 2016 by ·
Getting older is a fact of life and with any luck, we will all live to a ripe, happy and defiant old age, enjoying ourselves with loved ones, friends, children and grandchildren. As much as we desire this for ourselves and our families, it is likely that there will be a need for some assistance at some point down the track. And, while many people say they would tell their families to put them … [Read more...]
Timing your investment decisions
March 31, 2016 by ·
It is very easy to let emotion control our investment decisions when experiencing market volatility: especially when we are being bombarded with constant media coverage reporting gloomy performance and falling share prices. Many people put off investing simply because they don’t know when to start – they are seeking “the best time”. Others who are already in the market worry when the news is … [Read more...]
Periodic Reviews are more than a necessity
March 22, 2016 by ·
One of the biggest challenges we have when planning for our financial security is determining the difference between what we really need…and what we’d like. Working with a financial adviser can help identify the difference. This happens when the relationship is first established: when the adviser becomes familiar with your lifestyle, career and financial situation. The adviser will … [Read more...]
Why have Life Insurance…. do i need it?
February 24, 2016 by ·
Let’s start with a quick quiz: Are you married? Do you have dependent children? Do you have other dependent relatives? Do you have major financial obligations? Do you own a business? Do you have a large estate that will take time to distribute? If you answered yes to any of the questions above, you probably need life insurance. Now that you know this is important for … [Read more...]
Legal Issues associated with retirement villages
November 12, 2015 by ·
Legal Issues associated with retirement villages Buying into a retirement village is different from buying other residential property. The financial structures and legal titles can vary from village to village, so it's important to talk to your lawyer so that you understand their implications. Get independent legal advice before you sign up with a retirement village. You are … [Read more...]
What is Market Volatility?
September 24, 2015 by ·
With share market volatility a daily part of news headlines, it's only natural to be concerned about how the fluctuations might be affecting the value of your investments. It can also be tempting to move your money into less risky investments. But don’t act too quickly! Everyone has heard of the term “market volatility” but what is it exactly? “Volatility” refers to the amount … [Read more...]
When is a self-managed super fund a good idea … and when is it not?
August 20, 2015 by ·
The use of self-managed super funds has grown rapidly in Australia over the past five – seven years. But, is this the most appropriate vehicle for you? Self-managed super funds are also known as DIY super funds. They can have up to four members and are generally established by an individual, a family or business partners to manage the investment of their own superannuation … [Read more...]
What’s the difference between Industry super schemes and others?
August 14, 2015 by ·
One of the most commonly asked questions about superannuation is about which type of fund to use. There is a lot of debate as to which category of fund is better than the other so it is important to understand the key differences, their advantages and disadvantages. Types of funds Industry funds These are multi-employer funds operated by parties to industrial awards, … [Read more...]
Redundancy – What do i do next?
August 6, 2015 by ·
In our last article, we suggested some key immediate actions to take if you are experiencing redundancy. Today, our suggestions focus on actions you can take to move forward with your life and career. Don’t delay your job search After you have been made redundant it is understandable to feel like you deserve a break, and to want to take some time out of the workforce. However you … [Read more...]