Offset account vs redraw facility – the tax difference

Most modern mortgages come with a redraw facility and a mortgage offset account. With a redraw facility you can make additional payments to reduce the outstanding balance of your mortgage, which in...

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What we mean by “investment styles”

Just when you thought investing was easy to understand – you put your money into shares, property, fixed interest, cash, etc. – out comes the question of “investment styles”! In essence,...

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Working with the new super rules

As a large majority of working and retired Australians already know, in late 2016 a raft of changes to the superannuation rules were passed as law. Most come into effect from 1 July 2017. The greatest...

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Not ready to retire? This might be another option.

The word “retirement” conjures up many images. While most baby boomers might be dreaming of more time on the golf course or booking a cruise, you might be thinking about buying a business. Crazy?...

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Will next year be "same, same" or a new adventure?

Another year has swiftly vanished into history. How were the past 12 months for you? Did you make the changes you’d planned or did you resolve for something different this year peter out by...

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Purchasing a property later in life

Home ownership continues to be our Great Dream, yet according to Domain.com.au, many of us are investing in bricks and mortar much later in life. So, what does it take to bring this dream to life...

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Meet SMSFs' early and late arrivals

You probably wouldn’t be surprised to learn that more than 90 per cent of the investors who established SMSFs in the June quarter are aged between 25 and 64, as shown in the tax office’s...

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Giving the gift of compound interest

The first lesson most children learn about money is what they can spend it on – games, the latest toy, their own iPad – but it’s a parent’s obligation to also teach them about managing...

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Time to cool off

Have you ever awoken the morning after signing a contract for something – a gym membership, a car, a new phone plan, or a house – and thought “Oh, no! What have I done?” Well, it may not be...

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MPIR drops, but not everyone is a winner

Richard Meaden  Advisersure Financial Consultants On the first of July the Maximum Permissible Interest Rate changed from 6.28% to 6.01%. Of course a reduction in the MPIR means a reduction in...

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