What is superannuation?
Superannuation, or ‘super’, is a way to save money for your future. It is important to understand how much super you’ll need, and how to best manage the money for your retirement.
Through super, you can hold a wide range of investments such as shares, property and cash.
Superannuation is attractive because it receives […]
Protecting your wealth with insurance is a way to protect yourself, your family and the things you own if something goes wrong. It enables you to replace or repair your assets, whether those assets are your belongings or your capacity to earn income.
Everybody’s circumstances are different, but insurance is important for everybody. Your need for […]
What is transition to retirement?
Transition to retirement is a strategy that can help you reduce your working hours while maintaining the same level of income. This is achieved by drawing a pension from superannuation using the ‘transition to retirement’ condition of release.
Everyone who is preservation age (currently 55) but less than 65 years of […]
While a thorny issue at times, it’s often worth having a discussion around wills and inheritance. Letting people know what is coming, or not, can avoid nasty surprises and expensive claims later down the track. Estate planning is a fundamental part of financial planning, with the main aim being to plan for the distribution […]
Starting out with a HECS Credit Debt is bad enough, but abusing a credit card can also mean trouble. Admittedly it’s tempting to spend with interest rates at current levels, but most credit cards still have double-digit rates.1
Of course a card is useful when you don’t have ready cash, but unless you pay […]
There are 5.2 million boomers in Australia born from 1946 to 1964. This compares with six million generation Xers born between 1965 and 1983. Generation Y, born across the 18 years to 2002, is expected to peak at about 7.4 million next decade.1With Australia’s population expected to swell by mid-century and the first wave […]
Self managed super funds can put you in the driver’s seat, offering a level of control over your retirement savings that is increasingly attractive to people in Newcastle and to all Australians.
Self managed super funds (SMSFs) have grown in popularity over the years with latest figures showing they account for 31.4 per cent of […]
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