Super Outlook and Share Market Returns

Super Outlook and Share Market Returns

Share market returns are a major driver of our superannuation and other investments. When shares do well super account values rise, when they do poorly values fall. The All-Ordinaries Index of Australian shares hit a new record closing high above 8,300 points on 17th...
Invest to Counter Inflation

Invest to Counter Inflation

Twelve-month bank term deposits now offer around five per cent interest. Some on-call accounts pay four per cent or better. The last time rates were this high was in 2011. These rates appear quite attractive for people with lump sums available to invest for longer...
Tax Cuts Overdue but Timing Bad

Tax Cuts Overdue but Timing Bad

While finalising staff payment records to the ATO for the last financial year it stuck me how much of people’s pay goes in tax. People on typical incomes pay around one fifth of their income in tax. For those earning a little more, tax increases to a quarter of...
Financial Rule Changes

Financial Rule Changes

A new financial year usually brings changes to tax, superannuation and Centrelink rules. That’s true again this new year. There are income tax cuts for all, in the form of the Stage 3 tax cuts legislated several years ago, but then recently reduced for higher earners...
Annuities Can Mean More Age Pension

Annuities Can Mean More Age Pension

Over recent years some public policymakers have said retirees underspend in retirement. Studies have shown many people still have most of their superannuation and investments when they pass away. They have not run their savings down living well. In order to get...
Last Minute Tax Saving Checklist

Last Minute Tax Saving Checklist

With only a week to go until the end of the financial year it’s now time to check all those last-minute tax saving actions have been completed. Whether its super contributions, pre-paying expenses such as investment loan interest, or donations, there are many...
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