insurance

Insurance

Insurance is a way to protect against the risk of unexpected financial loss. We’ll go through why insurance is essential for high-impact events, what insurance is for, what it is not for, what risk pooling is. Read on »

redraw vs offset

Redraw vs Offset

If you are buying a home that you may later turn into an Investment Property, not understanding the difference between a redraw vs offset this could cost you tens of thousands of dollars in lost tax deductions. Read on »

debt recycling

Debt Recycling

Debt recycling is a strategy to convert (recycle) your non-deductible (bad) debt into tax-deductible (good) debt.

Read on to learn how debt recycling works, what you can debt recycle, things to watch out for, selecting high-yield or low-yield investments, when you should not debt recycle, and debt recycling vs concessional contributions. Read on »

pooled funds

The problem with pooled funds

Pooling is an easy way for a fund to diversify into hundreds or even thousands of securities. But how does it affect the return on your investments and super? Read on »

the stock market is forward looking

The stock market is forward looking

The stock market is forward looking means that stocks are valued by their estimated future profits, and the price is adjusted to those expectations as soon as they are known, long before it impacts their profits. Read on to find out how this affects your decision of whether to invest or pay down your home loan. Read on »

downsizer contribution

Downsizer contribution

If you are 55 or older and meet the eligibility requirements, you can make a downsizer contribution into your superannuation of up to $300,000 ($600,000 for a couple) from the proceeds of selling your home to help grow your retirement nest egg. Read on to learn more. Read on »

recontribution strategy

Recontribution strategy

The recontribution strategy involves withdrawing super and re-contributing it to wash away tax that beneficiaries of your super upon your death would have had to pay. Read on to find out how it works. Read on »

stop working

Ceasing any employment after 60

To access your super in full and move it to an account-based pension, you need to meet a condition of release, which is typically being retired (or over 65).

However, there is another way to access it in full from 60 without retiring.

Read on to learn more. Read on »

income swap strategy

Income swap strategy

If you can access your super while you are still working, the Income Swap Strategy can be a great way to convert some of the tax you pay to a boost to your super while taking home the same post-tax income. Read on »

bring forward rule2

The bring-forward rule

One of the most important strategies as you approach retirement age is to get as much of your assets into super as possible. Read on to learn more about how the bring-forward rule can help. Read on »