admin, Author at Sherlock Wealth

May 31, 2021

admin In Financial Advice, Insurance, Latest Updates

Choosing an income protection policy

MoneySmart
(ASIC)

Some of the things you’ll need to consider when choosing an income protection policy are:

Policy type

Income protection policies are provided as either an:

Indemnity value policy — the amount you’re insured for is a percentage of your salary when you make a claim. If your salary has decreased since you bought the policy, you’ll get a smaller monthly insurance payment. Indemnity value policies are generally cheaper and can be useful for people with a stable income.
Agreed value policy — the amount you’re insured for is a percentage of an agreed amount when you sign up for the policy. These are generally more expensive but can be useful if you have income that changes from year to year.

Waiting period

This is the amount of time you must wait before your payments start. Most income protection policies offer a waiting period between 14 days and two years.

In general, the longer the waiting period, the cheaper the policy. When you’re choosing the waiting period, think about how much you have in sick and annual leave, savings and emergency funds.

Benefit period

The benefit period is how long the monthly payments will last. Most income protection policies offer two or five years, or up to a specific age (such as 65). The longer the benefit period, the more expensive the policy. But it also means greater protection if you’re unable to work for a longer time.

Stepped or level premiums

You can generally choose to pay for income protection insurance with either:

Stepped premiums — recalculated at each policy renewal, usually increasing each year based on the higher chance of a claim as you age
Level premiums — charge a higher premium at the start of the policy, but changes to cost aren’t based on your age so increases happen more slowly over time

Your choice of stepped or level premiums has a large impact on how much your premiums will cost now and in the future.

If you would like to discuss what income protection options are available for you, please reach out to the Sherlock Wealth team to discuss your unique situation here

May 18, 2021

admin In Financial Advice, Insurance, Latest Updates

Deciding if you need TPD insurance

Total and permanent disability (TPD) insurance

A permanent injury or illness can make it difficult or impossible to return work. TPD insurance can provide a financial safety net to help support you and your family, and pay for medical and rehabilitation costs.

What TPD insurance covers

TPD insurance pays a lump sum if you become totally and permanently disabled because of illness or injury.

Each insurer has a different definition of what it means to be totally and permanently disabled. It can cover you for either:

Your own occupation — you’re unable to work again in the job you were working in before your disability. This cover is more expensive and is usually only available outside super.
Any occupation — you’re unable to ever work again in any job suited to your education, training or experience. This cover is cheaper but has a higher threshold to claim, so it’s less likely to payout.

Read the product disclosure statement (PDS) so you know how your insurer defines a total and permanent disability. Call the insurer or your super fund if you have questions about the policy.

Decide if you need TPD insurance

When deciding if you need TPD insurance, and how much, think about the expenses you’ll need to cover if you were permanently disabled and unable to work. These could include:

living expenses for you and your family
repaying debts such as a mortgage or credit card
medical and rehabilitation costs
savings you want for retirement

Also, think about what you have that could help pay for these costs. This could include:

private health insurance that can help pay for medical expenses
if you have trauma or income protection insurance, that can help replace lost income. You may hold these insurances through your super fund
any savings or investment you could sell
what support from family or friends may be available

The gap between the amount you have and the amount you’ll need can be a guide as to how much TPD cover you may need.

If you need help deciding if you need TPD insurance, and how much, speak to a financial adviser.

How to buy TPD insurance

Check if you already hold TPD insurance through your super. Most super funds offer default TPD cover that’s cheaper than buying it directly. You can increase your level of cover through your super fund if you need to.

You can also buy TPD insurance from:

a financial adviser
insurance broker
an insurance company

TPD insurance can be bought on its own or packaged with life cover. If it’s packaged, your life cover may be reduced by any amount paid out on a TPD claim. Check the PDS or ask your insurer.

Before buying, renewing or switching insurance, check if the policy will cover you for claims associated with COVID-19.

TPD insurance premiums

You can generally choose to pay for TPD insurance with either:

stepped premiums — recalculated at each policy renewal, usually increasing each year based on the higher chance of a claim as you age
level premiums — charge a higher premium at the start of the policy, but changes to cost aren’t based on your age so increases happen more slowly over time

Your choice of stepped or level premiums has a large impact on how much your premiums will cost now and in the future.

Compare TPD insurance policies

Before you buy TPD insurance, compare policies to make sure you get the right one for you. Check:

if it covers ‘your own occupation’ or ‘any occupation’
exclusions
waiting periods before you can claim
limits on cover
premiums – now and in the future.

A cheaper policy may have more exclusions, or it may become more expensive in the future.

Use our Life insurance claims comparison tool

Compare how long different insurers take to pay a TPD claim and the percentage of claims they pay out.

What you need to tell your insurer

You need to tell your insurer anything that could affect their decision to provide you with TPD insurance. You need to give them this information when you apply, renew or change your level of cover.

Insurers usually ask for information about your:

age
job
medical history
family history, such as a history of disease
lifestyle (for example, if you’re a smoker)
high-risk sports or hobbies (such as skydiving)

If an insurer doesn’t ask for your medical history, it may mean their policy has more exclusions or narrower policy definitions.

The information you provide will help the insurer to decide:

if they should insure you
how much your premiums will be
terms and conditions for your policy

It is important that you answer the questions honestly. Providing misleading answers could lead an insurer to decline a claim you make.

Please reach out to the Sherlock Wealth team to discuss what insurance cover you may need here.

MoneySmart
(ASIC)

May 17, 2021

admin In Market Reviews

Market Review April 2021

Monthly Market Review – April 2021

VIEW PDF

How the different asset classes have fared: (As at 30 April 2021)

1 Bloomberg AusBond Bank 0+Y TR AUD, 2 Bloomberg AusBond Composite 0+Y TR AUD, 3 Bloomberg Barclays Global Aggregate TR Hdg AUD, 4 S&P/ASX All Ordinaries TR, 5 Vanguard International Shares Index, 6 Vanguard Intl Shares Index Hdg AUD TR, 7 Vanguard Emerging Markets Shares Index, 8 FTSE Developed Core Infrastructure 50/50 NR AUD, 9 S&P/ASX 300 AREIT TR, 10 FTSE EPRA/NAREIT Global REITs NR AUD

Australian Equities

April was a great month for the Australian Share market with the S&P/ASX All Ord rising 3.92% over the period. Traditionally the month is a strong month for the share market as the end of financial year approaches. A great deal of the positive momentum can also be attributed to low interest rates, market stimulus and a rebound of economic activity. Materials was the best performing sector, driven largely by stronger metal prices and a slightly weaker US dollar. Technology also did well, due to by a decline in Australian bond yields. Energy was the worst performer with coal being a notable area of weakness within energy, as investor sentiment towards the carbon emitting sector sours.

International Equities

The global recovery is continuing to gather momentum with the IMF revising up its 2021 global growth forecast to 6.0%. The recovery has been positive for share markets which benefit from rising earnings and low interest rates. US stocks did well, buoyed by multiple signs of economic recovery including an impressive jobs report, a jump in retail sales, and a pick-up in housing. European markets also moved higher, lifted by solid corporate earnings and the progress made by EU countries in vaccine distribution. A recent surge in Covid cases plaguing India and Brazil has put pressure on these emerging economies and their markets. Overall, the performance of emerging market equities was flat. The slow vaccine rollout in the developing word is holding back emerging market stocks.

Domestic and International Fixed Income

Global and domestic bond yields eased back in April as central banks reiterated their desire to keep accommodative financial conditions. The recent stability in bond yields enabled share markets to resume their rising trend after a few wobbles earlier in the year.

Australian dollar

The Australian dollar continued to maintain its strength in April. Strong commodity export prices have helped keep the dollar strong.

Disclaimer

The information contained in this material is current as at date of publication unless otherwise specified and is provided by ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFS Licence No. 331367 (ClearView) and Matrix Planning Solutions Limited ABN 45 087 470 200, AFS Licence No. 238 256 (Matrix). Any advice contained in this material is general advice only and has been prepared without taking account of any person’s objectives, financial situation or needs. Before acting on any such information, a person should consider its appropriateness, having regard to their objectives, financial situation and needs. In preparing this material, ClearView and Matrix have relied on publicly available information and sources believed to be reliable. Except as otherwise stated, the information has not been independently verified by ClearView or Matrix. While due care and attention has been exercised in the preparation of the material, ClearView and Matrix give no representation, warranty (express or implied) as to the accuracy, completeness or reliability of the information. The information in this document is also not intended to be a complete statement or summary of the industry, markets, securities or developments referred to in the material. Any opinions expressed in this material, including as to future matters, may be subject to change. Opinions as to future matters are predictive in nature and may be affected by inaccurate assumptions or by known or unknown risks and uncertainties and may differ materially from results ultimately achieved. Past performance is not an indicator of future performance.

May 12, 2021

admin In Business, Economy, Latest Updates, Lifestyle, Money, Superannuation, Tax

Federal Budget 2021-22 Analysis

Investing in recovery In his third and possibly last Budget before the next federal election,…

May 6, 2021

admin In Divorce, Financial Advice, Financial Planning, Investments, Self Managed Superannuation, Superannuation

Making a super split

Separation and divorce can be a challenging time, often made all the more difficult when you have to divide your assets. So how do you go about decoupling your superannuation?

In years gone by, superannuation was not treated as matrimonial property, so divorce settlements typically saw the woman keeping the house as she generally had the children and the man keeping his super. In a sense, neither party won. She ended up with a house but no money for her retirement while he had nowhere to live but money for his later years.

To remedy this situation, since 2002 super can be included when valuing a couple’s combined assets for a divorce settlement. After all, these days super is probably your second largest asset after your family home.

While super is counted in the calculation of the total property, that does not mean it is mandatory to split the super – the choice is yours.

Unlike the early 2000s, both partners are likely to have superannuation these days although traditionally women will still tend to have lower balances.ⁱ On average, women retire with just over half the super balance of men and 23 per cent of women retire with no super at all.

As a result, many divorcing couples may end up splitting super along with their other property.

How to split your super

If you decide to split your super, then you have three avenues, but keep in mind that all require legal advice.

The three ways to split your super are:

A formal written agreement that both you and your partner instruct a lawyer stating you have sought independent advice,
A consent order, or
A court order.

A court order is the last resort if you can’t agree on a property settlement.

You can split your super as you choose both in terms of the amount and the timing. You can split it as a percentage or as an agreed figure and you can choose to split it immediately or at some time in the future. Much will depend on each of your life stages.

But whatever you decide, you MUST comply with the superannuation laws. Money received from your partner’s super must be kept in super unless you satisfy a condition of release. You also need to be mindful of taxable and non-taxable components and divide them equally.

How does it work?

Say the superannuation balances of a couple is $500,000 with John having $400,000 and Susie $100,000. If the property settlement on divorce was decided as a straight 50:50 split and it included the super, then John would need to give $150,000 of his super to Susie.

Susie would nominate a fund and the money would be transferred.

If you have a binding financial agreement or a court order, this transfer of assets from one fund to another will not trigger a CGT event. But if you don’t have such an agreement, then John would trigger a CGT event on the $150,000 he transferred. Susie, meanwhile, would have the advantage of resetting the cost base on her received $150,000. So, a win for Susie, but not for John.

If John happened to be in the pension phase but Susie was still too young, the money that is transferred from his super to Susie will be treated according to his situation. As a result, Susie would be able to access the money before she reached preservation age.

What about SMSFs?

If you have a self-managed super fund, the situation could get a little more complicated as you have to deal with the issue of trusteeship.

If there are only two members/trustees in the fund and Susie chose to leave, then John would either have to find a new trustee within six months or change to a corporate trustee where he could be the sole director.

Assets within an SMSF can also prove an issue, particularly if a sizeable proportion of the fund was tied up in a single asset such as commercial premises. How easy would it be to sell the premises? What if the property was John’s business premises and the means by which John was in a position to pay Susie child support? These are questions that need addressing.

If you are in the process of divorce or considering it, please reach out to the Sherlock Wealth team here to help you plan your finances before and after the event.

i https://www.afr.com/companies/financial-services/women-less-than-equal-in-retirement-20201203-p56khb#

April 22, 2021

admin In Financial Advice, Financial Planning, Self Managed Superannuation

Should you include your children in your SMSF?

Almost anyone can set up an SMSF together. SMSF’s can have up to four members. There is a proposal to increase this to six but at the time of writing this legislation has not passed.

Usually, members are all in the same family, although it is possible to set up an SMSF with other people.

So is it a good idea to add your adult children to your fund? Here are a few thoughts that might help you decide.

The benefits of adding your children to your SMSF

Larger investment pool and greater diversity

By adding your children to your SMSF you increase the amount you can invest. This means that you can diversify the SMSF portfolio even more, potentially including assets that typically have a higher minimum investment level such as property.

Passing down assets may be easier

Rigorous estate planning is essential for any SMSF, but with a careful strategy, adding your children to your fund could help pass down wealth smoothly. Their understanding of money management may also be improved by having oversight of your finances from an early stage.

Lower costs

By adding more people to your super fund, you may be able to reduce the average running costs of the account and avoid paying multiple fees.

Potential downsides of adding your children to your SMSF

Differing priorities

It could be difficult to figure out exactly how to structure your SMSF since the investment horizon, strategies and risk appetite could differ quite dramatically between you and your children.

Family dynamics

Before you get wrapped up in each other’s finances, it’s important that you have a clear, open and trusted relationship with your children and their partners. Have a transparent conversation about what being part of the SMSF means, and make sure they know what is expected of them when it comes to decision-making and the practicalities of tax time.

To understand what the right structure is for you and your family, please reach out to the Sherlock Wealth team to discuss your unique situation here

Any advice is general in nature only and has been prepared without considering your needs, objectives or financial situation. Before acting on it you should consider its appropriateness for you, having regard to those factors

Source: TAL

April 20, 2021

admin In Financial Advice, Latest Updates, Money

Relationship break-up entitlements when you’re in a de facto

If you’ve recently split from your partner or are simply wondering what might happen if you do, you’ll need to keep your financial wits about you. A division of assets and debts, whether they’re held separately or together, may be on the cards.

Here are some of the things to be aware of when it comes to de facto splits and your finances.

How does the law define a de facto relationship?

A de facto relationship, according to Australian family law, is where two people of the same or opposite sex live together on a genuine domestic basis as a couple. You can’t be married to each other or related by family.

If we break up, do we have to go to court?

Not all de facto couples have to divide property of the relationship (that’s your assets and debts) when they break up. However, depending on your situation, this may be the case and can be formalised between the two of you without any court involvement.

If you can’t agree though, you can apply to a court for financial orders regarding the division of property and possibly superannuation, while spouse maintenance might also be payable in some circumstances.

This must be done within two years of you splitting from your former partner, otherwise, you’ll need special court approval to make an application.

When can orders about the division of property be made?

The family law courts can order a division of any property you and your de facto own (regardless of whether you own it together or separately) if they’re satisfied of one of the following:

The de facto relationship lasted at least two years
The two of you had a child
One party made substantial financial or non-financial contributions and serious injustice would result if the order to split property wasn’t made
The relationship is or was registered under a prescribed law of a state or territory.

What does ‘property of the relationship’ include?

Property includes all assets and debts held in joint or separate names and may include things you acquired before or even after the relationship ends. This could include things like:

The family home
Cars and boats
Household and personal items, such as furniture, white goods, and jewellery
Business and property investments
Superannuation
Home loan debt
Money owing on credit cards or personal loans.

How is superannuation affected?

Under superannuation splitting laws, if you separate, it’s possible you’ll get some of your ex-partner’s super or that they’ll get some of yours.

However, because super is held in a trust and differs from other types of property, there are rules around when these assets can be accessed.

What this means is, splitting super doesn’t necessarily convert it into cash as it’s still subject to certain rules, which may mean that you mightn’t be able to access the money for a long time.

Other things to think about

What your financial situation might look like after the separation
What financial adjustments you may need to make
Your will and any other instances (for instance, super or insurance) where you may have named your de facto as a beneficiary.

Seek financial advice to help you understand the long-term outcomes of different settlement options. Please reach out to the Sherlock Wealth team to discuss your unique situation here

Source: AMP

April 19, 2021

admin In Market Reviews

Market Review March 2021

Monthly Market Review – March 2021

VIEW PDF

How the different asset classes have fared: (As at 31 March 2021)

Domestic and International Fixed Income

After rising sharply in February, US Treasury yields continued to edge higher in March, reflecting an improving outlook for the global economy due to the ongoing rollout of vaccines and the prospect of further significant fiscal stimulus in the US. At the end March, US President Biden announced a US$2.3 trillion “American Jobs Plan”. The plan focusses on infrastructure spending, spread over eight years, and is proposed to be funded by corporate tax increases spread over 15 years. This plan comes on top of a US$1.9 trillion relief package signed into law by President Biden in early March, and a US$900bn emergency relief package paid out in January.

The Biden administration is expected to announce another package in coming weeks focused on childcare, healthcare and education, which will be funded by tax increases on wealthy individuals. As a result of the huge fiscal packages proposed by the Biden administration, the market is expecting the US economy to recover strongly. The markets’ belief in economic recovery and the inflation that may result have been contributing factors to rising bond yields. However, Central banks remain dovish and have reiterated their commitment to keep easy monetary policy in place for an extended period.

After increasing sharply in February, Australian government bond yields declined slightly in March. Bond prices were supported after the RBA reiterated its commitment to its 3-year bond yield target of 0.1% and reinforced its message that they do not expect the cash rate to increase until 2024 at the earliest. In its March meeting press release, the RBA also flagged that they are “prepared to do more” bond purchases if deemed necessary.

Australian Equities

The S&P/ASX All Ordinaries Index rose by 1.8% in March, underperforming a 4% gain (foreign currency hedged) in international share markets. The best performing sectors for the month were consumer discretionary and utilities. The labour market recovered further in February, with a decrease in the unemployment rate to 5.8%. The Australian housing market also continued to rise in March, increasing by 2.8% according to CoreLogic, which is the fastest monthly increase since the late 1980s. Strength in the housing market has been driven by strong demand from first home buyers.

International Equities

International share markets (foreign currency hedged) rallied by 4% in March. Share markets were buoyed by an improving outlook for the global economy due to the ongoing rollout of vaccines, together with the prospect of further significant fiscal stimulus in the US.

The S&P500 rose by 4.4%, driven by strong gains in value-oriented stocks which are expected to benefit from a strong global economic recovery. By contrast, high multiple and long duration growth stocks, such as US technology stocks, underperformed shorter duration and more cyclically levered-value stocks over the month.

European shares rallied in March, while emerging market shares underperformed due to weakness in Chinese equities. Chinese equities were reportedly weighed down by concerns around earnings and tighter liquidity conditions from the People’s Bank of China.

Australian Dollar

The Australian dollar decreased modestly in March alongside a decline in iron ore prices (albeit from very high levels) and a narrowing in the spread between Australian and US government bond yields.

Disclaimer

April 6, 2021

admin In Financial Advice, Financial Planning, Investments, Self Managed Superannuation

Is an SMSF right for you?

As anyone who has joined the weekend crowd at Bunnings knows, Australians love to DIY. And that same can-do spirit helps explain why 1.1 million Aussies choose to take control of their retirement savings with a self-managed superannuation fund (SMSF).

As well as control, investment choice is a key reason for having an SMSF. As an example, these are the only type of super fund that allow you to invest in direct property, including your small business premises.

Other reasons people give are dissatisfaction with their existing fund, more flexibility to manage tax and greater flexibility in estate planning.

What type of person has an SMSF?

If you think SMSFs are only for wealthy older folk, think again.

The average age of people establishing an SMSF is currently between 35 and 44. They’re also dedicated. The majority of SMSF trustees say they spend 1 to 5 hours a month monitoring their fund.^i,ii

But an SMSF is not for everyone. There has been ongoing debate about how much you need in your fund to make it cost-effective and whether the returns are competitive with mainstream super funds.

So is an SMSF right for you? Here are some things to consider.

The cost of control

Running an SMSF comes with the responsibility to comply with superannuation regulations, which costs time and money.

There are set-up costs and ongoing administration and investment costs. These vary enormously depending on whether you do a lot of the administration and investment yourself or outsource to professionals.

A recent survey by Rice Warner of more than 100,000 SMSFs found that annual compliance costs ranged from $1,189 to $2,738. These are underlying costs that can’t be avoided, such as the annual ASIC fee, ATO supervisory levy, audit fee, financial statement and tax return.ⁱⁱⁱ

If trustees decide they don’t want any involvement in the administration of their fund, the cost of full administration ranges from $1,514 to $3,359.

There is an even wider range of ongoing investment fees, depending on the type of investments you hold. Fees tend to be highest for funds with investment property because of the higher management, accounting and auditing costs.

By comparison, the same report estimated annual fees for industry funds range from $445 to $6,861 for one member and $505 to $7,055 for two members. Fees for retail funds were similar. Fees for SMSFs are the same whether the fund has one or two members.

Size matters

As a general principle, the higher your SMSF account balance, the more cost-effective it is to run.

According to the Rice Warner survey:

Funds with $200,000 or more in assets are cost-competitive with both industry and retail super funds, even if they fully outsource their administration.
Funds with a balance of $100,000 to $200,000 may be competitive if they use one of the cheaper service providers or do some of the administration themselves.
Funds with $500,000 or more are generally the cheapest alternative.

Returns also tend to be better for funds with more than $500,000 in assets.

Even though SMSFs with a balance of under $100,000 are more expensive than industry or retail funds, they may be appropriate if you expect your balance to grow to a competitive size fairly soon.

Increased responsibility

While SMSFs offer more control, that doesn’t mean you can do as you like. Every member of your fund has legal responsibility for ensuring it complies with all the relevant rules and regulations, even if you outsource some functions.

SMSFs are regulated by the ATO which monitors the sector with an eagle eye and hands out penalties for rule breakers. And there are lots of rules.

The most important rule is the sole purpose test, which dictates that you must run your fund with the sole purpose of providing retirement benefits for members. Fund assets must be kept separate from your personal assets and you can’t just dip into your retirement savings early when you’re short of cash.

Don’t overlook insurance

If you considering rolling the balance of an existing super fund into an SMSF, it could mean losing your life insurance cover. To ensure you are not left with inadequate insurance you may need to arrange new policies.

If you would like to discuss your superannuation options and whether an SMSF may be suitable for you, please reach out to the Sherlock Wealth team to discuss your unique situation here

i https://www.smsfassociation.com/media-release/survey-sheds-new-insights-on-why-individuals-set-up-smsfs?at_context=50383

ii https://www.smsfassociation.com/media-release/survey-sheds-new-insights-on-why-individuals-set-up-smsfs?at_context=50383

iii https://www.ricewarner.com/wp-content/uploads/2020/11/Cost-of-Operating-SMSFs-2020_23.11.20.pdf

March 26, 2021

admin In Economy, Investments, Latest Updates

Australia hits right balance in recovery

Treasury chief Steven Kennedy believes few countries have experienced what Australia has achieved in responding to last year’s recession – relatively good health outcomes, smaller economic impacts and now, rapid recovery.

“By any measure, Australian governments have struck the right balance,” Dr Kennedy told senators in Canberra.

“Our outcomes have been world leading, both in the health and the economic sphere.”

He said the economy has now recovered 85 per cent of the decline from its pre-COVID level of output.

“Growth will now begin to moderate as we move past the initial phase of the recovery,” he told a Senate estimates hearing on Wednesday.

“While the economy is recovering strongly, well supported by fiscal and monetary policy settings, we are well below our pre-pandemic economic growth path and it will take some time to fully recover.”

He said the peak in unemployment now appears to have passed following strong employment gains in recent months.

In the mid-year budget review released in December, Treasury had predicted the unemployment peaking at 7.5 per cent in the March quarter.

Instead, the unemployment rate has steadily fallen, dropping to 5.8 per cent in February.

“Nonetheless, while outcomes to date have tended to surprise on the upside, there is still significant spare capacity in the labour market,” Dr Kennedy said.

New figures show there remains strong demand to hire staff with job advertisements posted on the internet jumping by a further seven per cent in February to be 24.8 per cent over the year.

This is the 10th straight month job ads, as compiled by the National Skills Commission, have risen after striking a record low in April 2020 and the depths of last year’s recession.

Job ads grew in all eight broad occupational groups monitored by the commission and recruitment activity increased across all states and territories.

But Dr Kennedy expects the number of people defined as being in long-term unemployment – those who have been looking for but been without, paid work for a year or more – will jump in coming months.

“This reflects the flow-on impacts of the spike in unemployment at the onset of the crisis in March and April last year,” he said.

Meanwhile, Australia recorded its third consecutive goods trade surplus above $8 billion for the first time in history.

Preliminary trade figures show exports grew by two per cent in February, buoyed by a record $1.3 billion of cereals exports, which helped offset a 12 per cent decline in iron ore shipments to China.

Imports also grew by two per cent, led by a 24 per cent increase in road vehicle inbound shipments.

Colin Brinsden, AAP Economics and Business Correspondent
(Australian Associated Press)

admin

Policy type

Waiting period

Benefit period

Stepped or level premiums

Total and permanent disability (TPD) insurance

What TPD insurance covers

Decide if you need TPD insurance

How to buy TPD insurance

TPD insurance premiums

Compare TPD insurance policies

What you need to tell your insurer

Monthly Market Review – April 2021

How the different asset classes have fared: (As at 30 April 2021)

Australian Equities

International Equities

Domestic and International Fixed Income

Australian dollar

How to split your super

How does it work?

What about SMSFs?

How does the law define a de facto relationship?

If we break up, do we have to go to court?

When can orders about the division of property be made?

What does ‘property of the relationship’ include?

How is superannuation affected?

Other things to think about

Monthly Market Review – March 2021

How the different asset classes have fared: (As at 31 March 2021)

Domestic and International Fixed Income

Australian Equities

International Equities

Australian Dollar

What type of person has an SMSF?

The cost of control

Size matters

Increased responsibility

Don’t overlook insurance

In a world full of choices, this is why our clients chose us:

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In a world full of choices,
this is why our clients chose us:

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Sign up to our e-news today!