When Would I Refinance My Mortgage?

Heard about mortgage refinancing? In the past, most people who took out a mortgage doggedly continued with it until they had paid it off. These days, people refinance their mortgage much more...

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Salary sacrifice vs personal contributions to super

The upshot is that, if you are an employee, there are now two ways in which you can optimise the tax-effectiveness of your additional super contributions: opt for a salary sacrifice arrangement,...

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Why currency matters to Aussie investors

There is nothing like an overseas holiday to remind you of the power of currency movements to either help or hinder your financial position. A recent sojourn to Europe reaped a modest benefit from...

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Investors acting their age

Young investors can fall into the trap of being too conservative for their own good, forfeiting compounding long-term returns from growth assets. This can lead to the question: How do we tend to...

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Should you downsize?

By the time you are considering retirement, it is likely that you will have substantial equity in your home. You may even own your house outright. Selling the family home is one way to free up cash...

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If you think you’d never fall for a scam, read this…

This isn’t necessarily because your demographic is particularly gullible. Rather, it’s because you’re more likely to control higher levels of wealth, perhaps as the trustee of a self-managed...

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Making sure you have the right cover

The concept of Total and Permanent Disability (TPD) cover is simple. If you are ill or injured and unlikely to be able to work again, you get paid out under the policy. The difficulty has always been...

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Super drawdowns: addressing a retirement myth

An enduring myth is that a large proportion of Australian retirees rapidly spend their super savings and then rely on the age pension for all of their retirement income. According to this myth,...

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Clarity on charity

Not all charities are the same – some are not charities at all. So, how do you ensure that your money finds its way into the right hands… and if it is indeed tax deductible? It pays to do a...

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What do you get with funeral insurance?

Funeral insurance may give you peace of mind but over time the premiums may cost you more than the funeral itself. Here are a few things to consider before signing up for funeral insurance. What is...

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