2013 Budget De-Brief
Last night the Budget delivered no real surprises after the majority of the proposed changes had been drip fed to the market in previous months.
From a Financial Planning perspective, there have been a few changes in relation to superannaution and taxation which may have an impact on your personal situation. We have provided a brief summary on some fo the key changes.
Superannuation
Cap on Tax Free Earnings - At the moment, any income in the pension phase is tax ...
Retirement Ebook
Understanding your Retirement Options
Understanding your retirement options can be a complex and daunting task. There is a number of elements that will impact your retirement options and everyone is different. It is important to have a personalised strategy to help you understand what income you need in retirement, how many assets and the most tax effective way to structure your financial affairs. In the e-book below, we have gone back to the basics to get you thinking about some ...
What insurances do you need?
There is so much confusion when it comes to what insurances you require. The attached flyer summarises two key insurances, how much you need and how to structure it.
Borrowing to Invest
Borrowing, or gearing as it is commonly referred to is a great strategy to help you accumulate wealth. There are many different types of version of 'borrowing to invest' and you need to understand the complexities of each before you invest.
From a basic perspective, you borrow money from a lending provider (usually a bank) and then combine this money with yours to invest in an asset. The combined income and growth you receive needs to be greater than the ...
