GET TO KNOW YOUR ADVISER - Roy Hall Q: Why do you do what you do? A: I’ve dedicated my life to helping my clients and educating people to plan ahead, whether it’s for their child’s education, wealth creation or their retirement superannuation, also protecting themselves and their families with risk insurance which also ensures that their future plans are protected. I do it because I come … [Read more...]
April 23, 2020 by ·
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...]
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...]
The Possible Benefits of ” Transition of Retirement”
July 23, 2015 by ·
Transition to Retirement Income streams were originally introduced in July 2005 to help Australians who wanted to transition to retirement via part-time work. By starting a TTR, you don’t have to retire to withdraw your super benefits. You can work part-time or full-time or even casually. There are three major potential benefits available. Boost your super savings With a transition to … [Read more...]
Superannuation: What are Concessional Caps?
July 10, 2015 by ·
Superannuation is a way to save for your retirement. The intent is to support you to have sufficient income in retirement so that you can live comfortably once you stop working and earning an income. The money invested via superannuation comes from contributions made into your super fund by your employer and, ideally, topped up by your own money. In addition to that, sometimes the … [Read more...]
It’s a new financial year…get your money working harder for you
July 3, 2015 by ·
It’s a new financial year … get your money working harder for you Now that you have reviewed your spending habits, set some goals and planned a budget, it’s time to review and potentially refine how you make your money work for you. Rather than spending your income with the hope of having something left over to invest (which almost never works), set aside a portion of … [Read more...]
When can i access my super?
July 3, 2015 by ·
When can I access my super? While it is important to understand your superannuation and the integral role it plays in saving for your retirement, it is just as important to know when and how you can access your money. You don’t have to wait until you’re retired to start thinking about accessing your super. Generally speaking, you can access your super: When you reach preservation age and … [Read more...]
How Much Superannuation Will I Need?
April 30, 2015 by ·
How much Superannuation will I need? Your retirement may be a distant thought or it may be just around the corner. Either way, it's important to know you'll be able to afford the lifestyle you want and deserve. While Australian employers are required to contribute at least 9.5% of your salary to super, you need to work out if this will be enough for you to live comfortably in … [Read more...]
What is the difference between superannuation and other forms of investment?
April 24, 2015 by ·
When it comes to saving for retirement, superannuation is specifically designed to help you accumulate funds in an easy, tax-effective way. Unlike other investments, superannuation is compulsory for most Australians. This is to ensure that people save some money for retirement. In 1992 the federal government introduced the Superannuation Guarantee making it the law for employers to make … [Read more...]
HFI Super Strategies can make a real difference
February 18, 2014 by ·
It’s a known fact. Australians on average are living longer. We commonly spend over twenty years in retirement and the need to accumulate savings while we are still working to fund this increasing retirement period has never been greater. Luckily, there are still some super strategies available to help boost your retirement nest egg and the sooner you start the better. But remember that when … [Read more...]