 Now what? Top tips for 2010: Investment strategies for a new decade - [15.3.10]
Following the events of 2008 and 2009, many investors have understandably shied away from the share market. However, don’t let the experience of the past eighteen months keep you from achieving your goal of financial security; you can move forward following the worst of the crisis.
After the storm
By most accountants, this generation’s nastiest financial storm has passed. That doesn’t mean skies will be forever blue again, as we may yet see another good drenching or two. Such is the nature of share markets. What it does mean is that, in our view, we see glimmers of a brighter tomorrow on the horizon.
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Sickness doesn’t discriminate, so why should insurance? - [11.12.09]
Anyone can get sick or injured but when it comes to protecting their lifestyle with insurance, it seems females have some catching up to do.
Historically speaking, insurance was sold to the main breadwinner. More often than not, that was the husband.
Today men still earn more, on average, than women, however the gap is closing fast. Australian women now earn 92% of male incomes with many women now out-earning their husbands.
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First Home Saver Account (FHSA) - [15.10.08]
The Australian Government has introduced a simple, tax effective way to help first home buyers kick start their savings for the purchase or construction of their first home, from the 1st October 2008.
Unlike an ordinary savings account or investment, the funds in this type of account can only be owner occupied and only after the funds have been saved for at least four (4) financial years (the four year rule).
The basic concept with this scheme is that after the end of a financial year the Australian government will contribute an amount calculated on the personal contributions made into the account, during that financial year. This government contribution is in addition to the first home buyers grant.
The money must be deposited into a special purpose First Home Saver Account which is similar to a term deposit, as the money must be saved for the minimum period of four (4) financial years.
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Secrets of Successful Investing. [15.07.08]
With all the turmoil in investment markets over recent months, many investors will be asking if they have done the right thing by investing in shares, property or managed funds. Let’s revisit two fundamentals of investing.
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How to Setup a Self Managed Super Fund (SMSF) - [15.07.08]
This article will discuss in general terms on How to Setup a Self Managed Super Fund (SMSF).
SMSFs, also referred to as do-it-yourself (DIY) funds are established and managed by individuals themselves. SMSFs can only have a small group of individual members (fewer than five people).
Anybody can run a SMSF, but because they often cost several thousand dollars each year, they are mostly suited to people with several hundred thousand dollars in superannuation. The general consensus is that due to the initial set up costs and on going administrative costs you would need to have approximately $200,000 before setting up your own SMSF becomes economical.
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Avoiding the risks - [15.02.08]
It’s been a long time coming, but you’re finally about to head away on holiday to spend a few precious weeks with your family.
Having made the flight and accommodation bookings, you didn’t hesitate to organize travel insurance in case something goes wrong while you’re away. It is wise to have adequate protection in place when we are travelling. Unfortunately, the summer holiday season is the time of year when more accidents do happen.
That’s because, being in unfamiliar surroundings and doing sometimes adventurous activities that we would normally not consider at home, the chances of being injured are heightened.
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