As you will be familiar, we are continually focused on the investment portfolio design to optimize risk and return. With the significant domestic (Aust) market concentration in resources & banking[...]
Following 12+ extraordinary months in the COVID “normal” world we have seen a large impact on investment dividends particularly in Australian equities. At the same time income from cash and term d[...]
Wow. Global travel had become routine for many. We thought the Global Financial Crisis in 2008/09 was bad, but that’s a distant memory except for those who speculatively borrowed to the maximum.[...]
Life is often a series of tradeoffs between time and money, so it understandably has a powerful effect on our behaviour. Money is often cited as a stress inducing aspect of life. Both money and time[...]
On 6 October 2020, the Australian Government introduced personal income tax cuts as part of the 2020-21 Budget (to apply retrospectively from 1 July 2020). This is summarised below: &n[...]
We continue to see long delays in finance approvals. Whilst the federal government has jawboned the relaxation of the responsible lending laws to shift from ‘lender beware’ to the tradit[...]
From 31 March 2020, Life Insurance companies no longer offer Agreed Value policies (agreed value means the level of cover can be set at the time the policy is and will hold ongoing). Following this [...]
With interest rates going lower, investors are seeking income elsewhere and turning to higher yields. A popular thought in response is to seek out the best dividend paying trusts or companies based [...]
Super Improvements High income earners with more than one employer (eg Company Directorships) can from 1 Jan 2020 opt out of having the 2nd or 3rd employer paying compulsory superannuation where an in[...]
An important component of our progress meeting is to confirm your succession plan (and those closest to you) is well thought out with accurate and complete documentation. We are often told by those wh[...]