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Latest News

Latest News

Financial Pearls of Wisdom

As we approach retirement some people start to panic a little wondering if they are truly looking forward to the time of their life when they no longer have to work. All of a sudden something they have been pining for is becoming real! Instead of worrying, have a read of the following tips and if necessary, act now.

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Preparing for Retirement

As most long-term investors know, investment markets have their ups and downs. The downs are usually associated with periods of uncertainty, perhaps due to political or economic factors, or even natural disasters. Uncertainty leads to volatility – more extreme movements in asset prices – which can have a big impact on portfolio values.

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Sequencing Risk explained

With the recent falls in domestic and global investment markets we are now starting to hear reports about people who are experiencing large and unexpected declines in the value of the underlying investment portfolio of their retirement income funds because they were not constructed to withstand episodes of short or long-term below average market returns.

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Placing your family wealth in trust

The basic function of a trust is to separate control and ownership. The result of using a trust is that assets are protected, and profits are distributed in the most tax effective way. There is no 'one-size-fits-all' type of trust. The trust you use depends on many factors, such as the type of asset or business, financing, income type, marital status, susceptibility to being sued - just to name a few. Whilst there are many types of trusts the two most commonly used are:

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How would your family cope if your income stopped

The facts: Heart disease kills one Australian every 10 minutes. 42,000 Australians are expected to die from cancer this year alone. 96% of Australian families lack enough life insurance to protect their families for >10 years or more, meaning only 4% of families are adequately covered. Someone in their mid-30s with two young children and earning around >$50,000 pa will need life insurance cover of between $500,000–$650,000,5 or 10–13 times their annual pre-tax income.

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