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Need a tax advantaged vehicle other than superannuation? An investment bond could be an option.

Superannuation is the most tax effective way to save for retirement. However, new superannuation rules limit the amount of money Australians can contribute to superannuation, and the amount you can …

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How having no will, or an invalid will, can cause unintended problems for your loved ones

By Anna Hacker BA (Hons)/LLB (Hons), Accredited Specialist – Wills & Estates, National Manager – Estate Planning, AUT Legal Services (part of the Australian Unity Group) A commonly held myth …

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Are interest rates unnaturally low? Or are they where they should be?

By Tim Farrelly – CEO of Farrelly’s, and asset allocation consultant to Australian Unity Personal Financial Services We hear the claim that interest rates have been kept unnaturally low by …

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How you could save hundreds of dollars a year on your life insurance

Most families are carrying significant financial risk should the unexpected happen. The big question you have to ask yourself is: ‘Would your family be able to maintain their lifestyle if …

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The end of the residential property boom?

By Tim Farrelly – CEO of Farrelly’s, and asset allocation consultant to Australian Unity Personal Financial Services “If returns came out of history books, then librarians would be the richest …

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How a tiny 0.68% p.a. may save you an incredible $90,634 on your mortgage

Here’s an example of why it may pay to find a lower interest rate on your home loan. For the sake of this example, let’s assume that the rate offered …

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What changes do you need to make to ensure you are not unnecessarily disadvantaged by the new superannuation rules?

The recent changes to the superannuation rules are designed to further limit the amount of money Australians can keep in the tax advantaged superannuation system. So, where does that leave …

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The 4 reasons why basic Will kits probably won’t deliver the estate planning outcomes you require

By Anna Hacker BA (Hons)/LLB (Hons), Accredited Specialist – Wills & Estates, National Manager – Estate Planning, AUT Legal Services (part of the Australian Unity Group) Many Australians have purchased …

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How much money are you placing at risk by not insuring your ability to earn an income?

Not many people risk being uninsured when it comes to their car or home. But many choose to not insure their most valuable asset – that is, their ability to …

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Is it an honour to be named an executor… or is it a burden with significant risk?

By Emma Sakellaris, General Manager – Australian Unity Trustees An executor is appointed within your will and is responsible for managing your estate and distributing assets according to your wishes. …

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China, the Rest of the West and Viewing the World through New Lenses

By Jonathan Wu – Executive Director / Chief Investment Specialist, Premium China Funds Management* (Reproduced with permission) With 2017 now in full swing, we have suddenly been plunged into a …

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How charitable giving can make you feel good about doing good

By Anna HackerBA (Hons)/LLB (Hons), Accredited Specialist – Wills & Estates, National Manager – Estate Planning, AUT Legal Services (part of the Australian Unity Group) Many people have discovered there …

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What are the limits on superannuation contributions in the 2016/17 financial year?

In the 2016 Federal Budget, the government proposed a number of changes to the superannuation rules, some of which were to apply from Budget night (i.e. 3 May 2016). Since …

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What could your home be worth in 3 years? Find out in this special report from QBE

QBE Australia is proud to present the Australian Housing Outlook 2016 – 2019 This report into Australia’s residential property landscape analyses and forecasts the key drivers influencing the national, state …

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Why are people tempted to follow the herd? And why can that be a mistake when it comes to investing?

By Fidelity International (reproduced with permission) Social proof is when people follow the actions of others in an attempt to reflect the “correct” behaviour for a given situation. This urge …

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Has it really been 26 years without a recession in Australia? Or is it only two?

By Tim Farrelly, Principal – Farrelly’s Investment Strategy (reproduced with permission) How long is it since Australia had a recession? Most would say 26 years. That’s close to a world …

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Research shows that Australian families have only 38% of the cover they need

If something unexpected happened and you could no longer financially support your family, it would be comforting to know that your life insurance would provide for you. But recent research …

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How companies make the leap from good to great

In the Formula One car race recently held in Melbourne the difference between first and fifth place was 59 seconds. Being good enabled the fifth-placed driver to participate in the …

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What is Investment Risk?

All investments have some form of risk associated with them i.e. they all expose you to the chance you could lose money (either notionally or permanently). In this Fact Sheet …

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Financial Insights – Super inheritances: The lump sum versus pension conundrum

Let’s look at the case of Richie and his wife Sue. Richie is a member of a superannuation fund which also has life insurance. At the age of 60, Richie …

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How do shares generate a growing income stream – as well as capital growth?

Quality shares (and managed share funds) are expected to generate higher returns than most other asset classes over the long term. The return from quality shares comprises a growing income …

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Do you need to protect your assets after you die?

Quick quiz Are you concerned that: Your beneficiaries may not have the ability to manage or protect the wealth you have accumulated after you die – for example, they might …

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What do world-class companies do better than their competitors?

Company management, if they have a worthwhile ambition, it’s this one: to turn their businesses into worldclass operations. The reality is that few companies attain world-class status. Foreign companies that …

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Here’s why I think sharemarkets are over-reacting to what’s been happening in China recently:

Share markets are over-reacting to China; the long term outlook is generally positive As the adage goes ‘may you live in interesting times’. In recent months this is unquestionably true …

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Financial Insights – Dividend imputation’s unheralded magic: It makes companies make better re-investment decisions

What a dreadful thing is the dividend-imputation tax system, if you believe its critics. They allege the abolition in 1987 of the double taxation of company earnings paid out to …

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What’s causing the current volatility in global investment markets?

Share markets around the world have been experiencing a significant level of volatility this past week, and in fact since May this year. The Australian market is down 13% over …

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Money Insights Newsletter April 2015-Ongoing stimulus gives markets cause for Optimism

Share markets around the world have been experiencing a significant level of volatility this past week, and in fact since May this year. The Australian market is down 13% over …

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Prepare for Life – A story about the importance of insurance

If you are like most Australians, insurance is one of those things which can be put off for another day. But another day might be one too late – the …

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Reviewing your insurance strategy is a solid investment

We’re all interested in reviewing the current status of our wealth creation plan to see how our investments are performing. Unfortunately however, reviewing your insurance strategy is an often forgotten …

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Prepare for Life

Aged Care – too many questions, not enough time Getting your personal finances under control Meeting your future lifestyle needs – Whether you are at the beginning of your working …

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Another New Financial Year

The perfect time for a FINANCIAL SERVICE …. Everyone thinks about change and making resolutions when the calendar year ends.. but what about when the financial year ends? The new …

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Cover that’s designed for Little & BIG kids

For Parents, there’s no greater pleasure than watching your kids grow into healthy happy adults. Childhood is all about great experiences and big adventures. However, it’s not possible to prevent …

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Helping the kids buy a home

A recent survey of Australians aged 50 and over has revealed that parents give $22 billion a year to their adult children to help them get established, buy property and …

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YOU KNOW you need FINANCIAL ADVICE but who do you TURN TO?

YOU KNOW you need FINANCIAL ADVICE but who do you TURN TO

Making the best of redundancy

Have you been made redundant or suspect it may happen? You could be faced with new emotional and financial issues that you need to make informed decisions about. It’s not an …

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Economist Insights – Back to basics

Last week the president of the ECB reassured German politicians that the measures taken by the ECB since the unfolding of the sovereign crisis will not ultimately lead to inflation. …

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SMSF Technical Update

Recent laws passed affecting SMSF investment strategies, separation of assets, and  valuations In early August 2012, the Superannuation Industry (Supervision) Amendment Regulations 2012 (No 2) became law. The draft legislation was …

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Budget Booster – Top 10 Investment tips

We all have financial goals. You may want to provide the best education opportunities for your children or you may want to build an investment portfolio so you can live …

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Making the Most of Your Retirement Income

After you stop working, you can find yourself with time to do the things you may not have been able to do before, like travelling, volunteering or spending more time …

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