Federal Budget 2019

The Federal Treasurer, the Hon. Josh Frydenberg MP, delivered the 2019 Federal Budget on 2 April 2019. As widely predicted, the announcement included a range of tax cuts for both individuals and businesses. The Treasurer also announced increased funding for regulators to encourage tax and superannuation compliance, a number of …

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Super contributions guide

As well as super guarantee payments from your employer, there are all sorts of ways to save more into super and boost retirement savings. Find out more in our comprehensive super contributions guide. Super Guarantee contributions If you work for an income, your employer is required by law to pay your …

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Review of 2018, outlook for 2019

Key points 2018 saw reasonable global economic and profit growth and still low interest rates but it has been a rough year for investors with worries about the Fed, trade wars and global growth causing volatility and poor returns. 2019 is unlikely to see the plunge into recession many fear …

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What’s next for Brexit?

A ‘black swan’ refers to an event or occurrence that deviates beyond what is normally expected of a situation and is extremely difficult to predict. Brexit arguably is a ‘black swan’ that, paradoxically, has taken years to unfold. Despite this, we still do not know what the effects of Brexit …

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SMSFs and your retirement horizon

Self-Managed Super Fund (SMSF) trustees often ask themselves, “What is the right mix of investments for my SMSF?” It’s a very common question, and one that will need to consider individual preference and the time until retirement. The answer will not be the same for everyone, even for members within …

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Retire on your own terms

As the novelist C. S. Lewis once observed, “You are never too old to set another goal or to dream a new dream.” Retirement should be the start of a new chapter in your life – perhaps the most exciting of all. The big question, of course, is how you …

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Investing in ETFs

An ETF is an investment fund that holds a basket of securities – such as shares or bonds that tracks a specified index – and is itself a listed share, traded on a stock exchange. ETFs are low-cost, simple vehicles that can offer exposure to a wide range of Australian …

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Getting personal insurance right

With recent media coverage about insurance sales tactics, many Aussies might be concerned they’re being sold personal insurance policies – life, total and permanent disablement (TPD) and income protection – they don’t really need. The fact that some Australians with multiple super accounts are likely to have duplicate personal insurance …

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