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As the end of financial year gets closer, some investors are thinking about the most effective ways to boost their super balance, particularly with an increase in the caps on contributions from 1 July. The concessional contributions cap, which is the maximum in before-tax contributions you can add to your super each year without paying...Read More
When getting ready to buy property, there are many things to keep track of as settlement approaches. An important consideration is what you will need in terms of insurance – admittedly not the most exciting part of buying a new home, but one which can save you money and stress in the future. Why lenders...Read More
The much debated tax on superannuation balances over $3 million is inching closer and those who may be affected should ensure they have considered the implications. Although it is not yet law, the Division 296 tax should be taken into account when it comes to investment strategy and planning, particular in relation to any end-of-financial-year...Read More
Investing success can mean different things to different people. Being clear on what success means for you is key to mapping out your plan. Although investing can seem perplexing and complex, success is largely within your control. Having a tailored investment strategy can go a long way to reducing the stress and noise associated with...Read More
Couples might be open to sharing all sorts of things, but with finances there’s a little more to think about. If you’re in a relationship, you and your partner may share a variety of things: grocery shopping, household chores and, most importantly of all, the TV remote. But what about your finances? There are many...Read More
Using a fundamental investing principle could help many Australians bring their retirement forward. It’s simple investing mathematics really. The more money you can save in investing fees, the more of your total returns you ultimately get to keep in your pocket. In actual fact, investment fees (management and administrative fees, commissions and other costs) are...Read More
You can't control what happens on financial markets. But you can control one factor to improve your returns. When it comes to investing, there are things you can never control and things that you can. You can't control what happens on financial markets on a day-to-day basis or the market returns from your specific investments....Read More
Key points - The theory is that inflation expectations influence future actual realised inflation. - Central banks pay close attention to inflation expectations, especially in the recent period of high inflation, out of concern that inflation expectations will become “unanchored” and lead to prolonged high inflation. - But, recent RBA research showed that consumers have...Read More
A self-managed super fund (SMSF) is a private super fund that you manage yourself. SMSFs are different to industry and retail super funds. When you manage your own super, you put the money you would normally put in a retail or industry super fund into your own SMSF. You choose the investments and the insurance....Read More
The backstory To say that it’s been a challenging period for bond investors for the best part of a decade, is not an exaggeration. If we cast our minds back to 2008, the world was in a precarious situation as the Global Financial Crisis took effect. Central bankers were busy thinking of ways to avoid...Read More