The upside to getting older is becoming eligible for government benefits that could help lower the cost of living. So it’s the big one. Sixty years old. It’s hard to believe… In a youth-obsessed culture it seems we’re constantly being reminded about the downside of getting older. And it’s true there are some aspects of … Read more
There are different types of super contributions and different limits for how much you can contribute. Here’s a quick breakdown. Generally, your super savings will build up over the course of your working life as money from your employment income is put into super by yourself, or by your employer under the super guarantee (SG), if you’re … Read more
If you’re looking at retiring in the near future, your savings will soon turn into an income stream. So the more you’ve saved, the better. Here are some ways you could top up your retirement savings before you retire. 1. Make the most of after-tax contributions Making personal contributions to your super from your after-tax money … Read more
Until 1 July 2022, if you were aged 67 to 74 and wanted to make voluntary super contribution, you had to meet a work test or get a work test exemption. Under the new rules, individuals under 75 years of age can make or receive personal and salary sacrifice contributions without meeting a work test … Read more
Given the inherent volatility of security prices in capital markets, it is useful to remind ourselves of strategies that investors can utilise to meet their investment goals. This is important when constructing and positioning a diversified portfolio of assets, a challenge that most financial advisers face daily. Reminding ourselves of the fundamentals of portfolio construction … Read more
