Library

In our library, you will find the latest financial news, valuable insights and ideas, tips and tricks we've learnt over the years and other helpful educational pieces.

Retirement

End of financial year planning during COVID-19

As we approach 30 June, end of financial year planning has become more important than ever. We understand that due to the pandemic, your cash flow and retirement savings may have been severely impacted, your business’s turnover may have decreased substantially, or your regular PAYG instalments (prepaid tax) may have varied. In this paper, we have shared some strategies you may wish to consider.

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(Video) The human side of crisis management

On Tuesday, 21 April 2020, we hosted our webinar, "The Human Side of Crisis Management: Helping you support your employees in times of crisis". In the webinar, our presenters, thought leaders in their own fields, shared their insights into how human resource leaders and executives can make a meaningful difference to how their staff cope with financial stress.

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Building a personal balance sheet with purpose: financial freedom and financial resilience

In this article we contend that building a personal balance sheet with a specific understanding of purpose can lead people to financial freedom and increased financial resilience.

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Warren Buffett is not wrong – but not entirely right

By John Barton
Back in February, Warren Buffett released his 54th annual letter to the shareholders of Berkshire Hathaway. Since reading this year’s letter, I have been meaning to capture my thoughts on an aspect of Warren’s note that, while accurate, misses the point for most investors...

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Super considerations for women

By Michelle Dall'Alba
Many women take parental leave at some stage in their career, which can have a significant detrimental impact on a woman’s superannuation balance over her working life. It is important that we as women take some proactive steps to get better outcomes for our retirement. There are a number of actions you can take, no matter what age you are...

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An Important EOFY super reminder

By David Lloyd
With 30 June only a few days away, a reminder to finalise any outstanding EOFY transactions and be aware of three important considerations, including minimum pensions, contributions and the Federal Government's "Protecting Your Super Package Act".

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What does a woman want?

By Rachel Barlow
Despite thirty years of research, Freud could not answer “What does a woman want?” Let’s not untangle that mystery! Let’s talk about what studies have shown the main financial goals for women to be, including repaying the mortgage, understanding and contributing to super, retirement planning, improving financial literacy as well as looking after family (children and parents).

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Navigating 2019 Forum

Recently, we hosted our Navigating 2019 Forum where we heard from David Hudson and Dr Michael Drew. The event took place at The Grove in the CBD. Read on for more information, photos and a summary video from the event.

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Strategies for retiring in uncertain times

By Richard Marsden
After the last decade of economic and asset price growth, it is common for investors to remain optimistic or become complacent and assume the good times will keep rolling...

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A super time of year

By John Barton
With many SMSFs busy finalising their accounts for 2017-18, now is an ideal time of year for trustees to review their fund's portfolio and investment strategies in line with legal requirements and make the changes required to ensure their fund is compliant and on the right track for the coming year.

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Understanding downsizer contributions

By David Lloyd
In the May 2017 Federal Budget announcement, new legislation was introduced whereby those aged 65 and over will be able to contribute an additional $300,000 into their superannuation upon the sale of their primary residence. These payments are referred to as ‘downsizer’ contributions...

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How much is enough?

By Andrew Albury
Life expectancies are increasing. Interest rates are sitting at historic lows, and look like they’ll stay there for some time yet. Many retirees rely on investment income to fund their retirement years. However, the current low return environment means retirement savings have to stretch further than ever before and the income provided by today’s low yields may not be enough. So how much is enough?

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Comfortable ignorance or an inconvenient truth?

By John Barton
Wealth and health are two topics that many of us flat-out prefer a comfortable level of ignorance compared to the often inconvenient, and sometimes confronting, truth. Most of us tend to avoid, put off and defer the assessments and actions that will actually get us where we want to get. However, getting there will, in most cases, require a level of inconvenience – and many of us simply prefer the comfort of assuming all will be well rather than face a little inconvenience along the way.

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Is your retirement at risk? The cost of an underinsured adult child

By Andrew Proudfoot
Many individuals view life risk insurances as something very low down on the financial priority list – only really considering it after a major life event occurs (such as a new mortgage or the birth of a child). However, leaving it too long may cost your future self (or your children) money and potential difficulties.

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What the $1.6 million pension cap means for you

By David Lloyd
As part of their controversial suite of proposed changes to superannuation put forward in May, the Coalition announced a cap of $1.6 million on all existing and new pension accounts. Last week, these changes passed through Parliament and are now Law.

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$500,000 non-concessional lifetime cap to be scrapped

In a monumental turnaround, the Federal Government has today made major changes to its superannuation package by dumping highly controversial plans for a $500,000 lifetime cap on non-concessional contributions.

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NCC lifetime cap and you

From 3 May 2016, the amount of non-concessional contributions (NCCs) that a person can make to super will have a proposed cap of $500,000. What does this mean for you?

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