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Insights

Our latest insights on how we can help you.

Super in your 60s. It’s still not too late!

This article follows on from the earlier “super through the ages” series. With more Australians working (and living) for longer, it outlines ways to make the most of the final years in the workforce to boost super. For most Australians, their 60s is the decade that marks retirement. For some this means a graceful slide into a fulfilling life of leisure, enjoying the fruits of a lifetime of hard work. However, for many it means a substantial drop in income and living standards. So how can you make the most of the last few years of work before taking that

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Superannuation… it’s not a case of “set and forget”

A warning that super is not something that can be left alone for too long. Time affects everything, and super strategies are no different. This article recommends that readers regularly review their super with their Financial Adviser to ensure it is still in line with meeting their future needs. The government regularly reminds us that each Australian must take responsibility for funding their future. Regardless of when you will be able to access your super, or when you choose to stop working, you need to be aware of how your superannuation is being managed and if the final balance will

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10 common financial mistakes before retirement

This article addresses an important topic highlighting 10 common mistakes people make as they get closer to retirement. It recommends seeking professional advice. Many of us would like to think that ‘older’ means ‘wiser’, but when it comes to money that isn’t always the case. The complexity of Australia’s superannuation and pension systems doesn’t help. The upshot is that there are a number of common mistakes that retiring and retired Australians make. What are those mistakes and how might you avoid them? Underestimating how much you need The Association of Superannuation Funds of Australia’s (ASFA) Retirement Standard calculates that a

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Has your life changed recently?

This article focuses on six life events that require your clients to review important planning issues. The busier we get the more we tend to put off the important things. Often the last subject we want to think about is our Will or other estate planning requirements. Living life always seems to get in the way! Sometimes that’s not our fault, especially if there has been a crisis or major change in our lives. The irony is that’s exactly when these issues should take a higher priority. If you or your family have recently (or not so recently) undergone a

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Super in your 50s. It’s time to push the pedal down!

The last article in the series of super through the generations explains what to do to improve super balances in potentially the last decade before having to rely on it. It covers salary sacrificing, TTR, investment focus and insurance, and a recommendation to seek professional advice soon. If 50 really is the new 40, then life has just begun. The kids are gaining independence or may have left home, and the mortgage could be a thing of the past. Bliss. But galloping towards you is… retirement! How are you tracking? According to the Association of Superannuation Funds of Australia (ASFA),

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Super in your 40s. It’s time to get focused.

This third article in the 4-part series on superannuation through the generations calculates how much will be needed for retirement in 20 years, how to increase the balance, salary sacrifice vs paying off mortgage, government contributions, and insurance through super.     Typically your forties is a time of established careers, teenage kids and a mortgage that is no longer daunting. There are still plenty of demands on the budget, but by this age there’s a good chance there’s some spare cash that can be put to good use. As you pass the halfway mark of your working life, it’s

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Super in your 30s. It’s important to squeeze it in.

This is the second article in the 4-part series on superannuation through the generations. It covers super for the short and long term, options to increase the balance, how much might be needed to retire on in 30 years’ time and ways to achieve it, and insurance through super. If you are in your thirties, chances are life revolves around children and a mortgage. As much as we love our kids, the fact is they cost quite a lot. As for the mortgage, this is the age during which repayments are generally at their highest, relative to income. And on

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Super in your 20s. Boring? Doesn’t have to be!

This article is the first of a 4-part series on superannuation through the generations. It explains where super comes from, how it grows, how much might be needed to retire on in 40 years’ time and ways to achieve it. Are you getting any?   Earn more than $450 in any given month (excluding overtime, bonuses and some allowances)? Then every three months your employer should be paying 10% of that into your super fund. Usually you can choose your fund; if you don’t, it gets paid into a super fund of your employer’s choice. But that doesn’t mean you

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