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Superannuation

Financial New Year’s resolutions for peace of mind

You know all those niggling anxieties about your finances that often lurk somewhere in the back of your mind? You know the ones… Do I have enough insurance cover? Is my super organised properly? Am I paying too much on the 32,496,357 bills that seem to keep flooding my inbox every month? It’s time to…

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Smart super strategies for this EOFY

Want to help boost your retirement savings while potentially saving on tax? Here are five smart super strategies to consider before the end of the financial year. 1.   Add to your super – and claim a tax deduction This financial year, there are new rules about who can claim a deduction for personal (after tax)…

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Why should I care about lost super?

Did you know there is about 14.8 million Australians with a superannuation account, 40% of which hold more than one account? Some of that 40% make up the $18 billion in ‘lost super’. Is some of that yours? Find it Moved house? Changed jobs? Don’t know where your teenage self stashed your super? It’s easy…

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Spring has sprung! 3 easy steps to spring clean your finances.

Spring has sprung, and with the change in seasons comes a great excuse to get into the spring cleaning. This could be literal, like cleaning and organizing our living and work spaces. Studies have linked home environments that are chaotic or messy and higher levels of the stress hormone cortisol. So, physical spring cleaning could…

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A few things have changed in super

Many of the federal government’s superannuation reforms came into effect on 1 July. Here’s what’s new. The government says it has tried to make the superannuation system more sustainable and has introduced more flexibility to suit modern work patterns. This is what has changed. Additional 15 per cent tax for high income earners and concessional…

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Super Reforms

Significant changes to contribution limits to super could prove a challenge The changes to super and tax laws proposed in this year’s federal budget, then revised and adjusted by the government in September, have been passed through Parliament and are mostly due to take effect from July 1, 2017. That means that you have until…

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Property and super

Beware the pitfalls Recent years have seen a rush of investors buying property through super. But while the strategy has its advantages, there are also some potential risks to be aware of. The pitfalls While property has been a good performer in recent years, property investing still involves a number of risks. Some hidden costs…

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Supercharge your portfolios return

How dividends can supercharge a portfolios return As we are in a low interest rate environment at the moment it can be quite lucrative to understand and utilise the benefit of franked dividends, particularly within the superannuation environment.   How does it work? Listed companies that have paid tax at the company tax rate of 30%…

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Market Highlights – October 2016

 Central banks continued to support investor sentiment Share markets moved higher as bond yields remained low The US Federal Reserve (Fed) kept rates unchanged in September Markets in a see-saw At the start of the month share markets were weighed down by concerns that central banks may be withdrawing stimulus with bond yields increasing and…

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