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Infocus

Guidance through grief

Summary Financial advisers help at all stages of life in different ways but certainly, there is no time that an adviser is more beneficial than in times of grief. Grief, whilst most commonly associated with death, is just as prevalent in situations of expected and unexpected illness, financial and employment Read more…

Infocus

The Downsizer Measure

Summary As part of the 2017-2018 Budget, the Governement announced the downsizer package to reduce pressure on housing affordability in Australia. From 1 July 2018, if you are 65 years old or older and meet the eligibility requirements, you may be able to choose to make a downsizer contribution into Read more…

Infocus

Super opportunity for first home buyers

Summary Eligible first home buyers can save for their deposit in the concessionally taxed superannuation system, using the First Home Super Saver Scheme (FHSSS or scheme). If you qualify, this scheme may help you accumulate a larger deposit when compared to saving outside super. Content Eligible first home buyers can Read more…

Infocus

Plan ahead for the aged care you want

Summary Early planning can take away a lot of the stress and uncertainty that can arise when considering aged care at home or a residential aged care facility. Content Early planning can take away a lot of the stress and uncertainty that can arise when considering aged care at home Read more…

Infocus

The secrets of a successful saver

Summary Everyone saves money differently. Some set aside a percentage of their pay regularly, others use lump sums from bonuses or tax refunds. The secret to reaching your savings goal is to choose the right account, understand how to use it and form a habit of saving regularly. Here are Read more…

Infocus

Superannuation choices for employees

Summary If you earn most of your income from employment, you may want to make personal deductible contributions – instead of, or in addition to, salary sacrifice. Content If you earn most of your income from employment, you may want to make personal deductible contributions – instead of, or in Read more…

Infocus

Keys to de-stress your mortgage

Summary A study was completed for the Royal Melbourne Institute of Technology (RMIT), which looked at the specific triggers that have resulted in Australian households being unable to meet their mortgage repayments. Survey respondents were asked the initial causes and, if they changed, what the final causes were. They were Read more…

Infocus

Retirement Income Explained

Summary Your retirement income may include some kind of pension payment or allowance from the government. Around 65% of older Australians rely on a government pension or allowance as their main source of personal income at retirement. Content Your retirement income may include some kind of pension payment or allowance Read more…