* Some Personal Reflections on the Global Financial Crisis
* Does the proposed demerger of Financial Wisdom & Colonial First State impact you?
* Are Royal Commissions significant events for investors?
* Living Independently: A look at in-home care options
* What is causing Australian house prices to fall?
* Is there really a trade war developing between the USA & China and does it matter?
* The effective Income tax free thresholds for 2018-19
* Be aware of Centrelink changes if applying for the Age Pension or other benefits
* What if your (Super) Pension account has gone above the Transfer Balance Cap of $1.6m?
* Is the rally in US Tech stocks over?
* My Health Records – why I plan to opt out
* Something unusual – US interest rates above Australian rates
* How to find out if the airbag in your car is safe or needs replacing
* Australian and US Share markets – strong but vulnerable?
* CBA to demerge some businesses including Financial Wisdom, our licensee
* Having an Adviser increases the likelihood a successful Insurance Claim
* Funeral Insurance – not a great deal
There are limited opportunities to reduce your taxable income these days but there was some great news announced in 2017 regarding the rules around who could make personal tax-deductible super contributions. Before this financial year, 2017-18, you could only claim a...
Please click here for a summary of the key announcements in the Federal Budget for 2018-19.
* The Banking & Superannuation Royal Commission
* Do the FANGS suggest the US stock market is turning down?
* Australian Migration Data is interesting
* SMSF – an update on issues that may impact you this financial year
* Would Labor’s proposed changes to dividend imputation matter to you?
* Income Protection Premiums – why are they rising?
* For Women: Balancing Work and bringing up Children
* Financial Advice from the world’s most successful investor, Warren Buffett
* The Sharing Economy – Airbnb, Uber, Airtasker, Freelancer, etc
* Ramsay Financial Group keeps growing
* Share markets continue their upward march after a strong 2017
* Australia’s apartment construction boom
* What is an Enduring Power of Attorney?
* What are investment benchmarks?
* Bitcoin – an explainer
* How to create the Ultimate Bucket List
* Incentives to Downsize the Family Home
* Bitcoin: what to make of it?
* Australian Stock Exchange (ASX) Settlements
* Superannuation Contribution Splitting with a Spouse
* Helping your children financially: Loans vs. Gifts
* What is China’s Belt and Road Initiative also known as “One Belt, One Road”?
* Counting the financial cost of a curve ball
* Insurance Companies actually do pay most Claims!
* Making a Smooth Transition to Retirement
* Don’t discount the possibility that North Korea could provoke a very serious war with the US
* Is Australian Business Over Regulated?
* Magellan Global Trust Offer
* Removal of Capital Gains Tax Exemption on Main Residence for Foreign Residents
* Bitcoin, Ethereum and other crypto (digital) currencies
* Marginal tax rates (MTRs) in 2017-18
* Cautious, Alert, but not Alarmed
* Home Care Reforms
* Understanding Your Personal Balance Sheet – it’s not just money!
* Home Ownership in Australia is Declining
* Stamp duty and first home owner grant changes in effect across Australia
* Claiming tax deductions on residential property
* Downsizing your home in retirement
* Tax changes for foreign property owners
* Are most Investment Assets like Shares & Property overvalued?
* Where to the Property market?
* Changes to Personal Tax Deductible Super Contribution from 1 July 2017.
* Understanding Your Super & Pension Statements
* Superannuation Splitting between Partners
Some key announcements from the Federal Government Budget for 2016-17
* Is the amount you can have in superannuation now limited to $1.6 million?
* What happens if I am over the new transfer balance cap on 1 July 2017?
* The Regulators are applying the brakes to Investment Property Lending
* Good news for Australia – no economic downturn in China
* Anzac Day Tribute
* Achieving Financial Independence is not just about investment returns
* Are you paying too much on your Mortgage?
* Chinese Military Installations in the South China Sea – should we be concerned?
* Marriage in the Computer Age
*Changing Times – from the fall of the Berlin Wall to Trump
* Will the Trump share market rally continue?
* Super contributions cap changes: what do they mean for you?
* The importance of Immigration to the USA (and Australia)
* The Australian Residential Real Estate Market
* Another Property Boom – it’s not just (Eastern) Australia
* Where to for the Australian Share market in 2017?
* Calendar Facts
* Work – Life Balance
* Personal Reflections on 2016
* Tax Deductions for Personal Super Contributions
* Non Concessional Super Contributions
* Predictions for 2017
* US presidential election result and the possible consequences for global financial markets
* Insurance in Superannuation – Issues to Consider
* Defined Benefit Pensions and the new $1.6 million cap
* Property vs. Shares – what does the Russell / ASX Report tell us?
* Residential Property Prices double every 10 years – right?
* Finally we have clarity around the Superannuation contribution rules
* Assets limits for Centrelink Age Pensioners from 1 January 2017
* Can you jump from a plane with no parachute & survive? Yes you can!!
* How the latest Government announcements on Superannuation might impact You
* A one-off opportunity this financial year to make a large contribution to your Super
* Risky – APRA chairman warns of Bank hybrid risks
* Australia – celebrating 25 years without a recession!!
* Interest Rates – still heading down?
* Changes to Superannuation Rules – should you be doing anything now?
* Ten Attributes of Great Investors
* Update on Ruby
* Federal Election – does it matter for your Super or other investments?
* Super Changes announced in the May 2016 Federal Budget
* Brexit – for an Australian investor is this just noise or something important?
* Share Market Volatility
* Five Financial Challenges that Women Face
* Andrew’s new Family Member
* Technology is disrupting most areas of life, including white collar jobs
* End of Financial Year Planning
* Is the world becoming more dangerous?
* Brexit: will Britain leave the European Union (Brexit) and does it matter?
This Federal Budget Fact File outlines the high level impacts of the Budget
* Changes to Superannuation Rules coming in the Budget?
* Superannuation Contribution Caps for next financial year: 2016-17
* The Federal Government Guarantee of Deposits
* Sydney – Melbourne Air Traffic: busy and growing
* Australia’s Population – more than a quarter born overseas
* Australian Consumers are positive
* Australian Banks – An Update
* Interest Rates – at unprecedented lows worldwide
* China – on-going challenges
* CommInsure & insurance claims
* Superannuation Changes Coming Soon?
* Current volatility in the Share Market
* Changes to ASX Settlements
* Lessons from Super Fund Investment Strategy Rules
* What the heck is going on in the share market: time to panic?
* What should I do as an investor?
* Market Volatility
* Don’t lose sight of the bigger picture
* Understanding the implications of withdrawing
* Key takeaways to keep in mind
* Why do we focus on your risk profile?
* The Big Picture as we head into 2016 (geopolitics)
* The Big Picture for Australian Investors in 2016 – challenging
* Commonwealth Seniors Health Card (CHSC) for Self-funded Retirees
* Superannuation Death Benefits – not generally covered by your Will
* The underperformance of many of our “Blue Chips”
* Commodity Prices – yes, they are weak and hurting Australia
* Changes to the Centrelink assessment of defined benefit income streams
* Excessive Doom & Gloom in Australia
* Dollar Cost Averaging – what it is & how does it work?
* HELP (HECS) Repayments
* Property vs Shares – the current state of play
* Investing in new apartments – dangers to be aware of?
* The share market
* Want to educate yourself on Property investment?
* What is the National Disability Insurance Scheme (NDIS) and is it a substitute for life insurance?
* What’s happening in share markets currently and why?
* Commodity prices have fallen dramatically
* Australia headed for a recession?
* Reflections on my recent visit to China
* SMSF Pensions
* Shares or Property? Russell Investments – ASX 2015 Long Term Investing update
* DIY Investing
* Market disruptions – do they matter?
* Greece – a brief update and some further thoughts
China & Greece – creating market volatility
* Superannuation year end planning for the 2014/15 Financial Year
* China’s growth rate is slowing and stock market wobbling but no need to worry
* Net Medical Expenses Tax Offset (NMETO)
* 2015-16 Federal Budget highlights – What it means for retirees
Attached is a two page Federal Budget Fact File that outlines the high level impacts of this Budget on key financial planning strategies
* The danger for investors from today’s low interest rates
* Possible changes to Tax treatment of Super or Negative gearing?
* Australian Banks versus the big Resource Companies
* Changes to the age when you can access your Super
* Concessional & Non- Concessional Contribution Caps – what are they?
* Is it worth retaining private health insurance?
* What is a reasonable investment return for a long term portfolio today?
* Superannuation Contribution Caps to apply next financial year: 2015-16
* New Rules around Excess Non Concessional Superannuation Contributions
* Limited recourse borrowing arrangements (LRBAs) in SMSFs
* Deeming rate reduction from 20 March 2015
* Why have share and property prices been rising strongly as interest rates have fallen?
* Research on happiness and the mid life crisis – it’s not just you and it’s not all bad news
* Potential policy changes in the Budget and what you might consider doing to pre-empt them
* Tighter eligibility for the Government Age Pension coming?
* Deeming Rates to be cut from 20 March 2015
* Australian Shares – overall 2014 was a lacklustre year
* Interest rates – why so low and how low can they go?
* Term Deposits – new rules make it harder to get early access
* Reversionary Beneficiaries for Pensions – why it matters
* Which investment assets should do best in 2015?
* Likely changes to government benefits that will impact baby boomers
* Interest rates – more good news for borrowers but bad news for savers and retirees
* The Financial System (Murray) Inquiry – some key recommendations
* The Financial System (Murray) Inquiry – what it might mean for bank shareholders
Last week the rapid fall in the oil price globally continued with the Brent oil price benchmark falling 7% after the OPEC meeting and then falling further again over the weekend. The Brent oil price (which is related to North Sea oil) has fallen by close to 40% since...
* Where is the Australian share market heading?
* Income Protection (Salary Continuance) Premiums increasing
* Europe – unfortunately the news is not good
* The Falling Oil Price
* Travel – observations from my recent overseas holiday
* Recent developments in financial markets that you should be aware of
* Medibank Private float
* Australian interest rates – not going anywhere anytime soon
* How would you like better internet coverage, preferably for free?
* Centrelink deeming of account-based pensions from January 2015
The new Centrelink deeming provisions applying to Account Based Pensions (ABP's), detailed in the attached Fact File, will come into effect on 1 January 2015. Persons most impacted will be pensioners who have other substantial assessable income in addition to their...
* Real Estate Investing – it’s not just residential investment property
* Negative Gearing of Residential Investment Property
* Further increase in Super Guarantee Payments delayed 7 years until 2021
* Preservation Age – it’s gradually increasing
Australian Government Guide to Concession Cards 2014
* My new website – check it out
* Australian housing prices – why so high?
* Shares or Property? Russell Investments- ASX Long Term Investing update
* Term Deposits vs. Shares – the state of play
* Retirees should prepare for deeming of Account Based Pensions
* Positive Economic & Political News
* Superannuation – Re-contribution Strategy
* Low Income Super Contribution (LISC) to continue for now
* Some brief reflections on our Medical System
Articles to download
Articles to download
Pathways to a Great Life: a lifestyle seminar for women. Three stimulating presentations that will give you ideas and insights into designing your future retirement lifestyle with confidence.
Thursday August 7 at Mosman Art Gallery at 6.00pm.
* The markets…where to from here?
* Child Care
* Aged Care – new rules apply from 1 July 2014
* Division 293 Tax for high income earners
* Excess non-concessional contribution refunding
* New ATO penalties (Fines) for SMSF
* Contribution Caps
* Division 293 Tax for high income earners
* SMSF Supervisory Levy for 2013-14
* Annual return due date for 2013-14
* ATO Educational Videos
* The Bad News
* The Good News
* The Deficit & Debt
* Excess Non-Concessional Contribution Refunding
* Commonwealth Seniors Health Card (CSHC) changes
2014 Federal Budget There is considerable speculation about a whole range of harsh measures being announced in the Federal Budget, to be announced on Tuesday 13 May. I will be issuing a Budget Newsletter the next day summarising key measures that may impact you....
Tax on pension earnings – not proceeding On 6 November 2013, the Government announced that they would not be proceeding with the tax on pension earnings announced by the former Labor Government on 5April 2013. If implemented this measure, subject to certain...
Focus on Women International Women's Day, which this year was on Saturday 8th of March, celebrated achievements in women’s equality and emancipation worldwide. The day also was used to bring attention to various other important issues impacting women including, in...
There are no cheap assets at present The low interest rates that have persisted globally over recent years have seen most share markets rise considerably over the past year. Australia had a strong 2013 and some, such as the US, have rebounded since January’s weakness...
This paper provides some tips to assist women looking to find the right mortgage when purchasing a property. Women - Finding the Right Mortgage 2014
Morningstar Annual Asset Class Returns Calendar Year to end 2013
Most share markets were up sharply in 2013. For Australian investors, 2013 was a very good year provided you had meaningful exposure to share markets, both domestic and offshore. The Australian market provided a return of 20% using the accumulation index as the...
HECS – HELP Fees & Repayments: Up-Front Payment & Repayment Changes Depending on the course they undertake, most Australian tertiary students must pay annual fees that in 2014 will vary between $6,044 and $10,085 for a full time course load. Many students pay via the...
Have Share prices in Australia and in the US run too far ahead of earnings? The US Dow Jones & S&P indexes are at all time highs despite the somewhat slow economic recovery in the US and on-going political wrangling. Share prices have appreciated substantially in...
Good news! More than 740,000 Australian pensioners will have extra money in their pockets as a result of the lowering of the social security deeming rates from 4 November 2013. Payments affected by the deeming rates include means tested payments such as the Age...
Shutdown averted After much political rancour and the threat that the US shutdown would be followed by a Government default because of a failure to raise the debt ceiling, the US Congress has agreed on a deal that ends the government shutdown, funds spending to 15...
Click here to download the PDF
The US Government Shutdown – big concern or potential opportunity? The news is currently full of dire predictions as the so-called US government shutdown has entered its second week and with the Republicans showing little sign of giving in and passing a “continuing...
The Federal Election – what does it mean for the markets? The Liberal- National Party coalition had a clear win in Saturday’s Federal election in the House of Representatives, though the picture in the Senate is much more murky. While some hope that the new...
Which investments were the winners over the past 10 Years? Russell Investments recently released the 2013 version of their Long-term Investing Report. Click here if you are interested in reading it. It highlights two key themes over the past 10 and 20 years up to...
Articles to download
Superannuation is always in the news, both for good and bad news. It’s important to understand Super as all employees have 9% of the salary going into Super and that’s going to progressively increase to 12% starting with a move to 9.25% from 1 July 2013. For most...
Links to read
Good news for those receiving Centrelink Age Pensions; they have been increased from 20 March. Single pensioners will see increases of up to $35.80 per fortnight and couples up to $54 per fortnight (combined). Add link to pdf Centrelink Pensions Rate Charts
We have recently moved our Mosman office from near Spit Junction to the beautiful and historic Georges Heights area which was occupied by the Australian army for a century or more. Very close by there is a wonderful lookout that provides a view of the harbour from...
There has been much commentary on the fact that shares paying strong fully franked dividends, like the banks & Telstra, have performed very strongly in recent times. It seems likely that this trend will continue and is also likely to be seen in overseas markets....
Articles to download
Articles to download
Links to read