2203, 2016

Aged Care Means Test

By |March 22nd, 2016|Centrelink Planning, Investment Planning|0 Comments

If you or a family member are about to enter aged care, the rules determining how you will be means tested has now changed. The rental income on your former main residence will now be assessed as income, regardless of how your entry costs are funded.

Previously, if you had been in care prior to 1 […]

802, 2016

The importance of decent investment yields

By |February 8th, 2016|Investment Planning|0 Comments

Financial markets have been in some turmoil of late, as a result of worries about global growth. This, compounded by the fact that interest rates are likely to remain low for some time, reminds us of how important the yields on our investments are, rather than just relying on capital growth.

Even if we see investment […]

912, 2015

The Australian Banking sector – risks and opportunities

By |December 9th, 2015|Investment Planning|0 Comments

Financial companies make up almost half of the Australian share market, and in the wake of the mining downturn, bank share prices have benefited from their robust reputation for high profits and dividends.  Environmental Social and Governance Researchers (referred to as ESG’s) employed by fund managers are charged with analysing the opportunities and risks presented […]

2511, 2015

Equity Markets in the Final Quarter

By |November 25th, 2015|Investment Planning, Your Plan|0 Comments

Increased oil supplies out of Saudi Arabia and the US are seeing oil prices run around half their levels of mid last year; and this added boost to low inflation and low interest rates have mixed implications for investors.  But low oil prices are good news for importing countries like the US, Europe and Japan; […]

1911, 2015

Australian Real Estate benefits from low interest rates

By |November 19th, 2015|Investment Planning|0 Comments

Australian real estate benefits from the current low interest rate environment, with increasing investment demand locally and internationally. Leasing in Sydney and Melbourne is improving, although is somewhat slower elsewhere as the commodities boom recedes.
We expect real estate to provide better income yields than bonds or even equities, because a low growth environment encourages investors […]

1011, 2015

Preservation age – how soon can I access my Super fund?

By |November 10th, 2015|Retirement Planning, Superannuation|0 Comments

For those nearing retirement, it’s important to know what’s referred to as your preservation age. That is, essentially, the age at which you are able to start drawing an income from your superannuation account, even if you haven’t retired.

If you turned age 55 before 1st July 2015, you’ve already reached your preservation age.

But, if […]

2710, 2015

Are you a contractor or an employee ?

By |October 27th, 2015|Personal Insurance Planning, Salary Packaging, Your Plan|0 Comments

Sometimes we see uncertainty around whether an employer is required to pay superannuation contributions on behalf of a contractor or employee.

Today I highlight a recent tax case where the Administrative Appeals Tribunal decided that an individual engaged by a company to provide various website services over an extended period of five years, was nonetheless not […]

2210, 2015

Is the Australian Housing Market starting to cool?

By |October 22nd, 2015|Uncategorized|0 Comments

In 2011, as the mining boom ended, the RBA cut interest rates, which brought more home buyers back into the market. This in turn, caused property prices to rise, encouraging construction and helping to offset the mining investment slump. But…does this mean there is a property bubble?

At a big picture level, Australian property […]

1310, 2015

Outlook for markets

By |October 13th, 2015|Uncategorized|0 Comments

It’s still too early to say we won’t see further falls in share values, with worries remaining around global growth, the US Federal Reserve, the US Budget, China etc. But beyond these short term uncertainties, we see the cyclical bull market in shares (including the Australian share market) as likely to resume. Shares are cheap […]

3009, 2015

Your investment risk profile

By |September 30th, 2015|Your Plan|0 Comments

We’ve seen quite a bit of volatility in our markets of late, and I thought it opportune to again get you thinking about your investment risk profile.

Your risk profile relates to your attitude toward investment volatility, and is a measure of how comfortable you are with:-

– the possibility that you might experience negative returns or
– […]