A spotlight on fixed income

All asset classes have their day in the sun. We are all familiar with the current property boom and even equities markets have performed well in recent times. Given the performance these growth assets have seen in recent years the fixed income players may have fallen under the radar for many investors. Is fixed income still valid in your portfolio? Let’s take a little look at this asset class.

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The 3 things that drive financial independence

More than ever I hear people saying “I earn a good wage but I have no idea where my money goes”. Does this sound like you? Or someone you know?

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4 things you need to know about Life Insurance

Personal insurance remains one of the greatest areas of misunderstanding in Australia. In some countries you cannot even obtain a mortgage without taking out life insurance. None of us know when our time will be up but it’s important to understand how this cover can be structured to provide for YOUR what-if’s and it only takes 30 minutes for our insurance consultation. For now, we wanted to share some common misconceptions about life insurance in the hope to raise more understanding in this area.

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Level the SUPER Playing Field

Superannuation is complex. There are cap limits on contributions, cap limits in pension phase, minimum income stream caps. It is a minefield of rules, regulation and financial jargon to make most of us want to bury our heads in the sand. With the introduction of the transfer balance cap of $1.6m last July, there are more reasons than ever to ensure your spouse (many of whom have a lower super balance) look to increase their balance. Here are 2 options you can consider:

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Techno charging Your Estate Plan

Technology in our lives is the new normal. None of us can imagine life without a mobile phone, Netflix or heaven forbid – social media! So, it makes sense to consider cyber assets in your estate plan. Digital decisions are the new black!

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