Independent Financial Adviser

Independent Financial Adviser

How to be prepared for climbing interest rates
How to be prepared for climbing interest rates Interest rates have been low for so long it’s tempting to think low rates are the new normal. So when the Reserve Bank suggests that a cash rate of 3.5 per cent is the new ‘neutral’, people take notice. Even the Prime Minister warned Australian householders to prepare for higher interest rates ahead.i The official […]
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Life insurance inside or outside super?
Life insurance inside or outside super? If you’ve got super, chances are you’ll have some default insurance included and the option to buy more at an attractive price. It’s a cost effective way to get a basic level of cover, but holding insurance inside super does have some downsides. Forms of superannuation insurance There are three types of insurance you can […]
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Living longer, living better
Living longer, living better There’s nothing quite like a tabloid story about a centenarian partying hard for their birthday to make you feel the creaks in every joint. It doesn’t matter whether they’re on a golf course in the Kangaroo Valley, carving up the slopes in the Rockies or hitting the gym for regular yoga and Pilates classes (and […]
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Time to review transition to retirement pensions
Time to review transition to retirement pensions Amid the major reforms to superannuation that took effect on July 1, some significant changes to the tax treatment of your Transition to Retirement Pension (TRIP) may have flown under the radar. Some individuals will be affected more than others, so if you have a TRIP or are thinking about starting one, now is the […]
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Making tax work for you
Making tax work for you Tax should never be central to any investment decision you make but it still has an important role to play. What that means is your investments should be tax effective rather than tax driven. Depending on your personal financial circumstances, there are bound to be ways you could minimise you tax obligations to maximise your […]
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