Self-insurance in general and some specific types of external insurance, such as trauma insurance, are to be outlawed in SMSFs and most other super funds. Over the last 12 to 18 months, the Government has made a few changes in regards to insurance in superannuation funds. Until recently, the two main changes were: a reduction […]

The hedge fund industry is currently worth around $208 billion in Australia alone*. But while investors are familiar with the concept of traditional managed funds, there is less awareness of how hedge funds operate, which is the root of many misconceptions. Here we debunk some of the common myths surrounding hedge funds. What are hedge […]

Living the good life, retiring happy, wealthy and wise Retirement is a little like Clark Kent taking off the Superman suit. It’s peeling off an identity – from an industry, a company, or a personal work history – and entering an entirely new life stage. There’s freedom and excitement, the time to do all the […]

It is estimated that by 2051, more than 25% of the population will be aged over 651, whilst the number of people over 85 is expected to more than quadruple to approximately 1.8 million2. The likelihood that you will have to place a parent or relative into an aged care facility is remarkably high. You […]

From our perspective the key proposed changes are: Changes to the tax free status of earnings on superannuation assets supporting income streams (pensions) where those earnings exceed $100,000 per annum. The introduction of a higher concessional contribution cap for those above a certain age. Changes to the treatment of excess concessional contributions. The restatement of […]

It’s possible that one day you, your partner or your parents may need to move into aged care. Naturally, you’ll want the best possible outcome for all concerned. However, this can be a very emotional and testing time, and there’s a lot to consider. In fact, you’re required to make sometimes difficult and complex financial […]

The Mara comprises 200 sq miles of open plains, woodlands and riverine forest. Contiguous with the plains of the Serengeti, the Mara is home to a breathtaking array of life. The vast grassland plains are scattered with herds of Zebra, Giraffe, Gazelle, and Topi. The Acacia forests abound with Bird life and Monkeys. Elephants and […]

Women generally face more financial hurdles in their retirement than men for a number of reasons. Broken work patterns to raise children, lower average earnings, and longer life expectancy are the main causes. Therefore, women need to take action when they are young so that they are not significantly disadvantaged later on. There is a […]

Cambodia – Kingdom of wonders After 40 years of turmoil from 1963 to 2002, the Kingdom of Cambodia has emerged as a safe and welcoming country with sights to make your jaw drop.  The country promotes itself as the ‘kingdom of wonders’ and to many people that means the temples around Angkor Wat but this […]

Have you checked up on the levels of cover of your life and TPD insurance? Will your policy provide your family with enough funds to manage financially if you should pass away suddenly or become permanently disabled?  Furthermore, there are two types of TPD cover. One covers you if you are deemed to be unable […]