Category: Strategic Financial Advice

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Strategic Financial Advice

A family affair: Children, super contributions and SMSFs

The potential increase in members from four to six a in self-managed fund has led to many to consider about whether it is worthwhile to have children as members of the parents’ or ‘family’ SMSF. The options are: should the kids join the fund, have their own, or go elsewhere to an industry or retail fund.

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Good News Super Contributions Caps To Rise 1
Strategic Financial Advice

Good news – Super contribution caps to rise

On 1 July 2021, both the concessional and non-concessional superannuation contribution limits, also known as ‘super contribution caps’, will rise.
This is good news because this is the first time these limits have changed since 1 July 2017, when the concessional contributions cap was reduced to $25,000 pa for the 2017/2018 financial year and onwards.

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Lessons From 2020 1
Strategic Financial Advice

Learning the lessons of 2020: An extraordinary year

When the COVID-19 pandemic hit Australia in March 2020 it brought immediate and severe financial gloom. Shares plunged 37% and the economy slumped to its first recession in nearly 30 years. However against that backdrop, 2020 turned out far better for diversified investors than initially feared.

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Why Insurance Is Important 1
Strategic Financial Advice, Uncategorized

Why insurance is important: real benefits for you and your family

Insurance plays a central role in providing financial security for you and your family when it’s needed most.
You insure your car and your home. But nothing is more important than your life and your ability to make a living. So it makes good sense to insure your greatest asset – you!

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Saving For Your Childs Future 1
Strategic Financial Advice

Saving for your child’s future

As every parent knows (even before they become one), raising a child isn’t cheap. And those expenses don’t necessarily stop once they reach 18. Parents often hope to help their adult children with significant financial milestones in life too.
In this article we look at some of the main expenses for parents, how you can start saving for your child’s future and the different ways to go about it.

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Economic Update
Strategic Financial Advice

Economic Update and Market Commentary

Risk assets including equities and credit continued to power ahead in April. Locally, the share market and the Australian dollar were supported by rising commodity prices.
Investors continued to monitor Covid cases and the pace of vaccine rollouts worldwide. Thankfully there remain very few infections in Australia, although rising numbers elsewhere has provided a reminder that the pandemic is far from over.

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Article 8 Image. Four Thoughts On Cryptocurrency 1
Strategic Financial Advice

Four thoughts on cryptocurrency in 2021 and beyond

Some cryptocurrencies have experienced a surge in value (and interest) since the pandemic. However, there’s a long way to go before it becomes clear how to determine their fundamental value.

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Article 7 Image. Understanding Account Based Pensions 1
Strategic Financial Advice

Understanding account-based pensions

Once you decide to retire you can access your super as a lump sum or start an account-based pension (also known as an income stream) or do a combination of both. The benefit of starting an account-based pension is that it provides a regular tax-effective income during your retirement.

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Article 6 Image. The A Z Of Inheritance 1
Strategic Financial Advice

The A-Z of Inheritance

Inheritance is an emotional subject on every level. The people leaving an inheritance generally do it with pride and love. The people receiving an inheritance often receive it with gratitude – and sorrow. But while emotional, it’s also a financial transfer that comes with a whole range of legal, financial planning and admin issues attached.

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Article 5 Image. Investing In Property Vs Shares 1
Strategic Financial Advice

Property investment vs shares

An age-old question is whether it’s better to invest in property or shares. There is actually no right or wrong answer. It all comes down to your preferences and approach to risk.

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Article 4 Image. How Much Super Should I Have 1
Strategic Financial Advice

How much super should I have at my age?

A healthy super balance is a key ingredient to living comfortably in retirement. But for many people, retirement is a long way off, and it can be hard to know if your super is on track. If you’ve ever been curious about how your super savings match up, read on to find out.

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Article 3 Image. 5 Simple But Effective Strategies 1
Strategic Financial Advice

Five simple but effective financial strategies for 2021

2020 may be remembered as the year we’d rather forget. The terrible health consequences and fatalities associated with the spread of Coronavirus both here in Australia and around the world has taken a heavy toll on many of us; particularly for those who have lost loved ones and livelihoods.

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