Time to Diversify

Time to Diversify

On 1st March the All Ordinaries Index of Australian share prices closed at a record high, above 8,000 points for the first time. That was a gain of around fourteen per cent over the last three months, though only eight per cent over the last year. Should we go...
Invest for Growth

Invest for Growth

Bank deposits currently offer around five per cent interest. That is much more than a couple of years ago. However there is a fundamental reason why investments in property and shares will always earn higher returns over the long term than fixed deposits: if they...
Avoiding Tax on Super Death Benefits

Avoiding Tax on Super Death Benefits

Superannuation has many tax advantages. There are concessions when people contribute, on the ongoing earnings in the fund, and when members retire. However, there can be a nasty tax surprise for some beneficiaries after the retiree passes away. The cost could run to...
Soft Landing in Sight

Soft Landing in Sight

When inflation took off in 2021 the Reserve Bank knew it had a major project on its hands to get it back down to the 2 to 3 per cent target range. Its ultimate aim, several years later, would be to achieve an economic “soft landing”. That now looks likely. Inflation...
Tax Saving For Higher Earners

Tax Saving For Higher Earners

The Government’s announcement that it intends to change the already legislated stage three tax cuts is worse than a broken promise. It is a breach of a contract between the legislators and the Australian people. In 2019 the Government developed a plan to give everyone...
Begin the Year with a Super Review

Begin the Year with a Super Review

For many Australians this year’s new financial resolutions should include a review of their superannuation. The Government says we have over ten million unintended multiple accounts. As some have fixed minimum fees this means millions of dollars of duplicated fees....