It’s a common question – Is the Age Pension enough to live on in retirement? As is so often the case, the answer is: ‘it depends’. It depends primarily on two things – your level of spending, and the amount of age pension that you are entitled to. ASFA (The Association of Superannuation Funds of Australia) produces […]
Read MoreGESB Super – Advice from the Experts
Many West Australians have worked in the public service at some stage in their career. Therefore, many people approach us with questions about their GESB Super – especially now that GESB have closed their Financial Planning division. See www.superreview.com.au/news/financial-advice/gesb-financial-advice-closes-up-shop The good news is that James and Julianna Baird at JustInvest are GESB Experts, having advised […]
Read MoreRetirement Savings Can Last a Lifetime – Annuities
When you retire, the bills keep coming in but a regular pay cheque doesn’t. An annuity can pay you guaranteed, monthly income which can keep pace with inflation, if you choose, and is tax-free if you’re over 60 and investing your super money. Also, Annuities can help you access or increase your seniors benefits like the Age […]
Read MoreRetirement Planning: How to get the best results
When keeping fit, it’s generally accepted that Personal Training gets results. Why? A trainer will focus on: Achieving your goals to the best of your ability Accelerating your progress Educating and mentoring you along the way Seeking advice from a Financial Planner is no different. Having someone guide your journey into retirement removes the stress of […]
Read MoreSMSF Trustees: You Must Review Your Insurance Needs
Given the complexities of holding insurance cover through superannuation, the introduction of new regulations (SIS Regulation 4.09, effective from 2012/13 onwards) creates a need for many SMSF Trustees to review their insurance needs. Recent changes to the Superannuation Industry Supervision (SIS) Regulations have widened the scope of SMSF investment strategy considerations. This was […]
Read MorePlanning your retirement? Do you really understand where your Super funds are invested?
You probably want to take a more conservative approach as you head towards retirement, especially given recent market performance. What if you were told that three quarters of your Super was invested in shares and property? Unless you’ve chosen otherwise, that’s probably where your ‘Core’, ‘Balanced’ (or similar) default option lies. If you’re a member […]
Read MoreFinancial Planning for Families
Too often these days families are confused by what Financial Planning really means….and who could blame them – most of the ads on TV or in the newspaper are produced by Banks or Industry Super funds trying to do one thing – sell their own products! Most families want simple strategies to sort out their financial […]
Read MoreCompare the Pair
When talking about financial advice, it all comes down to price – particularly when talking about your super fund fees. Or does it? Do you drive the cheapest car you can find? Eat the cheapest fast food? Live in the cheapest house? For most people, probably not – you make decisions based on the benefits […]
Read More