Here are questions about insurance we think you should ask your insurance advisor: How much insurance do I need? What are the premium costs? Do the premium costs and amount of insurance increase with inflation? What is the difference between level and stepped premiums? For how long and up to what age am I covered for? Can I get “own-occupation” cover? What is total and permanent disability (TPD) b... »
Investing in a tax-effective way is an essential part of our investment approach, and as such it is worth considering the role of “tax-free” assets as part of your overall investment strategy. Basically there are three tax-free assets you can use, and this does not include tax-free investment structures such as super funds when in pension mode. These are: 1. Your Principal place of res... »
We’ve come up with a list of our 10 favourite investment books of all time. Of course there are many other investment books we like, but we’ve narrowed this list down to those books we feel are absolute must-reads for every investor. We feel that by reading all of these books you will get some of the best investment insights in the quickest possible time, ie. the best “bang for y... »
We recently read about the self-managed super fund (SMSF) double deduction strategy for people eligible to make personal deductible super contributions. In this strategy you can effectively double your tax-deductible (concessional) contribution limit within the current financial year. So instead of the usual $25,000 limit, you can deduct up to $50,000 against your income. This is done by “bringing... »
Some people feel that investing inside a super fund or self-managed super fund (SMSF) is not worthwhile because of the ever present risk that legislative changes could adversely affect the strength and merits of using this particular investment structure. This is true to the extent that successive governments may from time to time tinker with the super rules for various economic or political reaso... »
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