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Why your chances of a pay increase could finally be improving

With 2018 now underway, many Australians may have noted ‘pay increase’ in their new years’ resolutions list. While the economic conditions over the past few years may not been ideal…[..]

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Wall Street finally awakes to a “clear and present danger”

US shares vs Government bonds Source: Federal Reserve St Louis. Wall Street has fallen -4% over the past week. This was off the back of record highs on January 26…[..]

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Power of retiree super dollars

With the waves of baby boomers now nearing or entering retirement, it is hardly surprising that the ranks of retired super members is rapidly growing. Yet the extent of that…[..]

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Beyond share prices

Investors shouldn't overlook that there are two components to sharemarket returns – dividend yield and capital gains (or losses). Few investors would have missed the news reports of late pointing…[..]

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2018: A balancing act

Fidelity's Investment Director, Tom Stevenson, shares his thoughts on investing in 2018. Most of the time investors don’t need to think too much about market timing or asset allocation. The…[..]

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Four issues for investors to keep on the radar in 2018

“The inevitable never happens. It is the unexpected always.”  John Maynard Keynes (1883 -1946) 2017 was a year of surprises and shocks. This year is likely to bring its own…[..]

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Become a better investor through your holiday reading

Behavioural economist Daniel Kahneman – who teaches us to control our damaging behavioural traits to become better, more-disciplined investors – continues as a powerful force on the best-seller lists as…[..]

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2017: The year in review

A very rewarding year for investors 2017 was a very positive year for investors, particularly those with substantial exposure to shares (see Table 1). Growth across the global economy was…[..]

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Your rights when it comes to Direct Debits

Automatic bill payments Direct debits can help you organise your finances. Make sure you understand how they work and what to do if you want to cancel them. What is…[..]

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Who can investors trust?

Trust can be tested in many ways. Consider this situation. You are sitting at a conference with 1000 or so industry colleagues – effectively professional strangers – and you are…[..]

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The critical difference between desired and required returns

We probably all remember during those long difficult car trips as children repeatedly saying such irritating things to our parents as: "When do we get there?". Perhaps adding to reinforce…[..]

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'If only I had a second chance'

No matter our age, most of us would probably look back on some aspects of our lives and say to ourselves: "If only I could do that again; if only…[..]

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Realism-v-reality – working part-time as retirees

Are you planning to boost your retirement income by doing some part-time work once you eventually retire? Perhaps you have included the expectation of some paid work in your calculations…[..]

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Faster than the wind – how mandatory super contributions help Australians get ahead

There's a lot of debate in the superannuation industry about what constitutes an 'adequate' contribution rate.   Most experts say somewhere around 12-15 percent over a full working life should…[..]

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Technology: An adversary in the fight for 2% inflation

It's been a generation since inflation last ravaged Australia, with costs for ordinary consumer goods rising on a seemingly daily basis. Indeed, in the wake of the global financial crisis,…[..]

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Behavioural finance: Why is it so relevant in the field of investing?

Tom Stevenson, Investment Director I was delighted that Richard Thaler was awarded the 2017 Nobel Economics Prize. Thanks to the work of Thaler and other giants in the field of behavioural…[..]

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How to develop a "dynamic" approach to retiree spending

As Smart Investing recently discussed, the combination of historically-low yields, expected muted investment returns and growing life expectancies are making it particularly challenging for retirees to calculate how much to draw down…[..]

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Think ahead about smart retiree spending and investing

A common personal finance trap is to concentrate on saving and investing to finance our eventual retirement without thinking enough in advance about how to invest and spend that money…[..]

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THE AGE OF THE SUPERCOMPANIES

Mike Gallagher, CFA, CAIA, Head of Distribution, Intermede Investment Partners American corporations are enjoying a golden age of profitability. Intermede examines the sources of their current relative dominance and the…[..]

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The Automatic Opportunity

Simon Blanchflower, Altrinsic Global Advisors The world is changing fast. The threat of disruption is real and growing with the potential for catastrophic outcomes for companies and industries across the…[..]

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Change is in the wind for China

Dr Ben McCaw, MLC The past 18 months have presented investors with significant geopolitical risks. There has been a profound uptick in populism across Europe, the UK voted to exit…[..]

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How to explain our irrational behaviours

Nobel prize-winning economists do not usually have a lot to say to everyday investors. This year is different. Professor Richard Thaler won the Nobel memorial prize for economics for his…[..]

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With our Heads Firmly in the " Cloud"

Alicia Gregory, Head of Private Equity, MLC So much of our data is stored in the “cloud” these days. But where exactly is your data? Is it safe? And why…[..]

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Setting up for retirement success

Benchmark magazine interviews Brian Long, Head of Retirement, NAB Asset Management Brian, most Australians save for their retirement through our mandatory superannuation system.  Do you think this will be enough? Obviously…[..]

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Salary sacrificing super

If you make voluntary super contributions through a salary sacrifice agreement you should be aware of how your contributions will affect your super balance. You can agree with your employer…[..]

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Mid – Caps are anything but Middling

Antares Equities Does company size matter when it comes to investment returns? Antares Equities explains. A commonly held perception in investing is that small companies provide the best exposure to…[..]

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3 Reasons why Unwinding of Quantitative Easing Matters

What is quantitative easing? Quantitative easing is when central banks purchase assets from the market to lower interest rates and increase credit availability to help stimulate the economy. Eight years…[..]

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The power of extra salary-sacrificed contributions

As the first quarter of 2017-18 draws to a close, it's worth checking whether you are making the most of your ability to make regular salary-sacrificed super contributions. If your…[..]

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The great Australian (retiree) dream

A recent Vanguard research paper, Retirement transitions in four countries, found that that 59 per cent of Australia's recent retirees surveyed believe they are highly satisfied with their current financial situation.…[..]

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Why Our Careers Are Not Ours Alone!

Our careers are not ours alone. They are the product of and the input of many. From our teachers – both formal and informal, family who support us and friends,…[..]

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I want a retirement investment plan – where do I start?

Many Australians don’t have to think twice about saving for retirement because their employer regularly contributes on their behalf. These savings then have decades to grow and years to ride…[..]

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Starting an SMSF in your 20s?

As with many things about investing, deciding when and whether to setup an SMSF should much depend on individual circumstances – that go well beyond age. The tax office's latest Self-managed…[..]

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The digital investor and the 'ostrich effect'

The internet has certainly given investors much more immediate access to information about their portfolios, investment research and investment markets. It has also enabled us to conduct immediate online transactions.…[..]

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Five investment barriers to recognise if you're over 55

For investors approaching their mid-fifties, or for those who've already met the milestone, it's worth being aware of the psychological barriers that can impact our decision making, so we can…[..]

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7 rewarding one-day Australian mountain climbs

There’s something special about climbing a mountain, and it’s a feat that conjures up a whole range of thoughts and feelings. You start by psyching yourself up for the challenge,…[..]

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Is your SMSF retirement-ready?

A landmark stage in the life of a self-managed super fund is when at least one of its members moves from the accumulation phase to retirement phase. SMSFs often have…[..]

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Why currency matters to Aussie investors

There is nothing like an overseas holiday to remind you of the power of currency movements to either help or hinder your financial position. A recent sojourn to Europe reaped…[..]

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Investors acting their age

Young investors can fall into the trap of being too conservative for their own good, forfeiting compounding long-term returns from growth assets. This can lead to the question: How do…[..]

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Should you downsize?

By the time you are considering retirement, it is likely that you will have substantial equity in your home. You may even own your house outright. Selling the family home…[..]

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Super is super for young people

ASFA CEO Dr Martin Fahy and young Australians discuss super – why it’s the best bet for saving for retirement. https://vimeo.com/216102376 Research by ASFA has found that young Australians aged…[..]

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6 Easy, Natural (and Free!) Ways to Reduce Stress

Even if you're unaware how damaging long-term stress can be, you may be acutely familiar with its immediate side effects. According to Psychology Today, “The stress hormone, cortisol, is public…[..]

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How much can you afford to spend in retirement?

How much you can afford to spend in retirement is determined by a number of different factors including investment markets, your super balance and lifestyle. But is there more you…[..]

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4 simple ways to conquer stress AND increase productivity

Our busy lifestyles often mean high levels of stress impacting productivity and health. Research shows practising mindfulness can reverse these effects for improved efficiency and well-being. How many times a…[..]

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The risks of trying to pick future winning stocks

It's tough for both professional and personal stock pickers to consistently beat or at least match the market. But maybe many investors don't recognise just how tough it is for…[..]

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2017 financial year in review – John Owen

A rewarding year for investors The financial year to 30 June was a very welcome contrast to the previous financial year when uncertainty was high and market returns were low.…[..]

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Busting the $1 million retirement myth

It’s often been mentioned that $1 million or more in superannuation savings is needed to live a comfortable retirement. This is a daunting figure for most of us and, unsurprisingly,…[..]

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Don't become a one-eyed investor

Behavioural economists warn investors about a trap known as "confirmation bias". This involves deciding on a course of action and then looking around for evidence to support that action. The…[..]

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Home is where the heart is

It can It can be hard to shake the instinct to stick with what you know. ‘Home bias’ – the phenomenon of investors disproportionately overweighting investments in their domestic equity…[..]

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Global diversification through ETFs

Investors are increasingly using Exchange Traded Funds (ETFs) as a straightforward, low-cost way to gain exposure to overseas shares. Recent ASX research shows that 40.9 per cent of assets in…[..]

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Beyond super: Our other personal investment market

Many investors may not realise that Australia's super and non-super personal investment markets are almost equal in value. Yet super tends to dominate the personal investment headlines – particularly in…[..]

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The Australian Implications Of Trump's US Tax Changes

A key policy of the newly installed Trump administration is to dramatically change the taxation regime. Surprisingly, the US has one of the highest corporate tax rates in the world.…[..]

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5 key tips when fishing with children

BIG4 Guest blogger, managing director of CH Smith Marine, and former president of the Boating Industry Association, Rod Smith, gives his expert opinion on having a safe and fun adventure…[..]

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Advocacy to support the rights of older people

Most of the time aged care services work well and the people who use them are happy with the service they receive. However, sometimes there is a problem, and you…[..]

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7 tips to stop you under-charging and over-servicing

By Flying Solo contributor Kathryn Williams Over-servicing clients is a common problem for small business owners; we feel it’s what sets us apart from our competitors. All it’s doing, however,…[..]

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A vital SMSF question: A corporate trustee or individual trustees?

A self-managed super statistic that doesn't seem to change much over the years is the strong preference of new SMSFs for individual trustees rather than a corporate trustee. The latest-available…[..]

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More withdrawals from 'the bank of mum and dad'

Think about what has happened in the six months since Treasury secretary John Fraser spoke of his concerns for retirement savings of parents who help their children into housing by…[..]

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Going Global

Australian investors may be well-aware of the basic diversification benefits of global equity investing relative to domestic investing, but franking credits tend to win the day and keep home country…[..]

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Life's financial turning points: good and not-so-good

The marriage and divorce statistics for 2015* sadly suggest that 43 per cent of Australian marriages may end in divorce. Significantly, this number-crunching does not include separations of de facto…[..]

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Is Australia the New Argentina?

By Bob Cunneen, Senior Economist and Portfolio Specialist, MLC “Politics is the art of looking for trouble, finding it everywhere, diagnosing it incorrectly and applying the wrong remedies.” Groucho Marx…[..]

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2017 Federal Budget Analysis

First home savers, downsizers and small business are the winners in Treasurer Scott Morrison’s second Budget – while taxpayers face an increase in the Medicare levy. Note: These changes are…[..]

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Your first SMSF portfolio: Don't overlook fundamentals amid super changes

New SMSF trustees face something of a double challenge in 2017-2018: Coming to terms with the long-standing fundamentals of having your own fund together with the biggest changes to super…[..]

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Almost the world's best for retirees

What are the best countries for a comfortable retirement? What countries have the best retirement-income systems? It seems the answers to these questions are rather positive for Australian retirees. The…[..]

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Super baby debt

Having a family can create a ‘super baby debt’ for mothers of up to $50,000 by the time they reach retirement age. Taking time off work means you may not…[..]

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Dollar-cost averaging for millennial investors

It's hardly surprisingly that a personal finance article in Forbes magazine places the classic and straightforward investment practice of dollar-cost averaging high among a list of tips to help millennials…[..]

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A realty check for accessing super early

When it comes to the basics of life the issue of finding shelter - putting a roof over one's head – ranks high on most people's list. So as the…[..]

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Dementia is more than just forgetfulness

It may begin with forgetting where you left your car keys and can eventually lead to potentially dangerous situations such as forgetting to switch off the heater or kitchen stove.…[..]

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Why more women need MONEY as a value and it's benefits

By Guest Author Kelly Magowan Having been a career coach for well over a decade and worked with a diverse range of clients from various industries and professions  (men and…[..]

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Jump-start your retirement savings

Unfortunately, many people would reach their mid-fifties and conclude that their savings are not on track to finance a satisfactory lifestyle in retirement. Fortunately, worthwhile steps can often be taken…[..]

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To rent or own: retirement living options

In Australia there are both ownership and rental opportunities for retirement living options. Generally the deciding factor of whether you rent or buy is subject to your financial situation. Ownership…[..]

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Preparing for your family's future

No-one wants to think about death in the prime of life. But it's important to decide what will happen to your assets when you die. Find out how you can…[..]

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Save early, save often

One of the underlying attributes of Australia's superannuation system is that it starts young adults saving for retirement as soon as they join the workforce. Without compulsory super contributions, many…[..]

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SMSF planning for the unexpected

  Life is full of surprises. Plan ahead to help your SMSF deal with unexpected issues such as a relationship breakdown, incapacity or an untimely death.   https://www.youtube.com/watch?v=CGwMbVsxxuc    If…[..]

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Continue to protect the skin you’re in

Data from Cancer Council’s recent National Sun Protection Survey reveals just 44 percent of Australian adults wear a hat when exposed to UV on summer weekends, down from 48 percent…[..]

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Solicitors Versus Conveyancers

A conveyancer is a solicitor, but just deals with property, right? Wrong. The two are different, and it is important to have the right one on your team, in order…[..]

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What is a Testamentary Trust?

What is a Testamentary Trust? A Testamentary Trust is simply a trust established by a person’s Will.  As opposed to more “simple” Wills, where beneficiaries receive the benefit of any…[..]

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5 cruise destinations you need to add to your bucket list

Papua New Guinea A nature lover’s paradise, Papua New Guinea may only be a fraction of the size of Australia but it has just as many mammal species and even…[..]

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What Is A Non Conforming Home Loan?

A mortgage created for people with bad credit. If you have a bad credit history you’ll generally find it difficult to get a mortgage through the traditional lenders. But don’t…[..]

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Make your house pay for your family gap year

Think you’ve missed your chance to take a gap year now that you have kids? Think again. A growing number of parents are taking a year out to give their…[..]

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Planning on giving money to your kids?

If you give money to your kids, it won't automatically come back to you if any of those things happen. on their separation or divorce, it would be an asset…[..]

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Financial abuse: Protecting your money from others

Financial abuse occurs when another person, perhaps your partner, one of your children, another member of your family or a friend, controls your access to money or other property without…[..]

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The perfect property at an affordable price – it’s not a myth

 So you’ve found your dream home, but it’s in need of a little TLC. While others may see this as a deterrent, this is actually a great opportunity to nab…[..]

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A paradoxical relationship: The self-employed and super

It seems paradoxical. The self-employed are among the most enthusiastic supporters of self-managed super yet the majority of the self-employed have little or no super.  Certainly, many informed owners of…[..]

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11 places in Australia to visit when you retire

Retirement is the perfect time to get out and see more of Australia, from the tropical north to the wilderness of the south and the red earth in between. Here…[..]

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Choosing an investment option

As part of your retirement savings plan, it is important you understand how your superannuation money is invested by your super fund. No two people's financial situation and investment requirements…[..]

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Your New Year reading: beyond John Grisham

Behavioural economist and psychologist Daniel Kahneman has begun 2017 by retaining his place near the top of The New York Times best-seller list, wedged among the latest John Grisham legal…[..]

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Judging a super fund's performance

A super fund's investment performance will change from year to year. Your super will grow over the long term, but in the meantime you might experience some years of low…[..]

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Where can I get finance for a small business?

Many people in Australia dream of running their own small business but four out of five never do it. If you've got a good idea, develop a business plan, then…[..]

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Setting up your own home business

Escape the commute and office politics by working from home. Are you thinking of working from home? There are plenty of good reasons to do so. In a study by…[..]

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Having an estate plan is more than just having a will

There seems to be a common misconception that having an estate plan is for wealthy people. Wrong. Having an estate plan is for everyone. It is about being prepared, minimising…[..]

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Your marathon investment portfolio

A recent cover feature in The Economist magazine asks readers to imagine a future world where you celebrated your 94th birthday by running a marathon with your school friends. The…[..]

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Super – even more important for women

Women tend to live longer than men, making it even more essential that they accumulate enough superannuation to last through retirement. But women face unique challenges when it comes to…[..]

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Claiming mortgage and interest expenses for your rental property

https://www.youtube.com/watch?v=G1-Je7Sw2gw Source: Reproduced with the permission of the Australian Tax Office. Important: This provides general information and hasn’t taken your circumstances into account.  It’s important to consider your particular circumstances before…[..]

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5 tips to save you money in 2017

If you have a hard look at your finances there are almost certainly lots of small steps you can take to reduce your day-to-day costs and increase the money in…[..]

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Four market trends to watch right now

There are some interesting trends driving global markets at the moment. Here are four themes we think investors should pay attention to. 1. Low earnings growth is fuelling M&A There’s…[..]

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Cuba: accessible and beautiful

With the start of the first commercial flights between the US and Cuba in more than half a century, the time-warped Caribbean island has become more accessible. In August, JetBlue…[..]

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Get ready for christmas with our top festive tips

Christmas is a joyous time but the lead-up to the festive season can be stressful and can really stretch your finances. Here are some easy ways to spread Christmas cheer…[..]

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Grey debt and the 'bank of mum and dad'

You may be in the enviable of one day entering retirement with your mortgage paid off, adequate superannuation savings and no debts left to pay off. However, the combination of…[..]

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America at the crossroads? Challenges for the new president

The political circus has ended, the campaign tent is now folded. Americans appear to have elected Donald Trump as their new President. President Trump will lead an economy with deep…[..]

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Making America grate or great again?

This has been a fascinating US Presidential campaign. Neither of the two leading candidates, Hillary Clinton and Donald Trump have been popular with the electorate. Memorable phrases like “build a…[..]

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Make the most of your health insurance with complementary therapies

The gap between conventional medicine and complementary therapies is blurring, as more and more people are using both – and they can often work alongside each other. It’s not uncommon…[..]

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Could Alzheimer’s be Type 3 diabetes?

We all know that bad diets can trigger obesity, diabetes and heart disease. But did you know that a good diet may also lower your risk of getting Alzheimer’s? Research…[..]

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5 ways to release capital from your house to fund retirement

1.    Downsize Approaching retirement, you’re likely to have a substantial amount of equity built up in your home, or you might own it outright. When you consider the expenses involved…[..]

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The riddle of weak productivity

By Michael Collins, Investment Commentator at Fidelity International, July 2016 Fifty-one years ago one of the tech gurus who helped found US chip-giant Intel wrote an article in which he forecast…[..]

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Financial advice boosts confidence in retirement

Seventy-seven percent of Australian pre-retirees who haven’t enlisted the help of financial professionals1 don’t feel prepared for retirement. This concerning statistic was revealed in MLC’s Australia today report. Of the…[..]

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Proposed super reforms at a glance – Infographic

This infographic gives an overview of the proposed government amendments to the superannuation reforms announced in the 2016/17 Federal Budget. Click to enlarge Download Proposed super reforms PDF[..]

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Government amends key super reforms

The Government has announced it will amend some of the super reforms proposed in the May 2016 Federal Budget. Summary of amendments: The lifetime limit of $500,000 on non-concessional super…[..]

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Save small. Win big

Today is Super Booster Day! It's the day Australians are asked to make a pledge to pay themselves forward. As a proud supporter of the day, we have a question…[..]

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Give your future self a pay rise!

Pay yourself forward Topping up your super early will help you get one step closer to ensuring you achieve your lifestyle goals for your post-work years. Now is the time…[..]

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5 ways to spend your ‘me’ time

Modern life can feel like you’re running a marathon — between work life, home life and social life, it can be tough finding time to breathe, let alone taking a…[..]

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Borrowing to invest – boost your retirement savings

How to borrow to invest and potentially boost your retirement savings When it comes to your retirement savings, more is always better. While everyone’s circumstances are different, you’ll need about…[..]

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Borrowing to invest – the risks and benefits

Is borrowing to invest a good idea? When buying a home, most people save a deposit, find a place they think will grow in value, work out if loan repayments…[..]

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Statement by Glenn Stevens, Governor: Monetary Policy Decision – August 2016

At its meeting today, the Board decided to lower the cash rate by 25 basis points to 1.50 per cent, effective 3 August 2016. The global economy is continuing to…[..]

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Is debt consolidation the way to go?

Juggling multiple debt payments? Consolidating all your debts into one loan may help – but make sure you do your homework before you take action. Got credit cards, personal loans…[..]

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2016 financial year in review – from Grexit to Brexit

The year to 30 June 2016 was in many ways an extraordinary year with a range of both positive and negative influences at play. Regrettably for investors, the financial year…[..]

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BREXIT: Hello Goodbye

By Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management In a surprise outcome, Britain has decided to LEAVE the European Union. While the reaction and full implications of…[..]

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Help your children get into their first home

Property prices are soaring across Australia, with the national median house price hovering well above $600,000.[1] A recent MLC survey showed that almost two-thirds of Australians believe the next generation…[..]

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5 things small businesses need to know about SuperStream

We’ve all known this day would come. On 30 June 2016 all small businesses – 19 employees or less – will need to make sure they’re SuperStream compliant. There’s a…[..]

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5 ways to sort out your finances before 30 June

The end of the financial year is just around the corner. Now is an ideal time to get your finances in order and boost your super before the 30 June…[..]

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Do I still need insurance?

When you have a new mortgage and dependent children, the need for personal insurance is clear. But as the kids become independent and your mortgage shrinks, you might feel that…[..]

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2016 Federal Budget Analysis

Treasurer Scott Morrison has handed down his first Federal Budget—the Coalition Government’s third. The winners are low and middle income earners and small business owners. There are significant changes to…[..]

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5 ways to make technology your best friend

From banking and shopping, socialising and working, technology is part of our everyday lives. So, if you’re still struggling to keep up it’s time to master the computer in your…[..]

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3 types of insurance you need today

It’s easy to put off thinking about your personal insurance while you’re young and healthy. But the truth is, we never know what’s around the corner – and with around…[..]

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The oil revolution: what's happened and where's it heading?

by Katie Whiffen, Portfolio Specialist, MLC. March 2016 So what’s been happening? Over the past decade, fuelled by growing demand as China and India upped their industrial needs, and due…[..]

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Many Australians are banking on government support in retirement

Many Australians are not confident they have enough assets to support their retirement, according to research from IPSOS and MLC, the Australia Today report, with 43% saying they will need…[..]

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SuperStream for employers

What is SuperStream? SuperStream is a set of government measures designed to improve the efficiency of superannuation transactions between employers and super funds. SuperStream introduces the following benefits: timely electronic…[..]

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How to avoid investment behavioural traps

 Investment markets can be unpredictable. Just when you get used to enjoying a prolonged period of strong returns, suddenly you can be faced with a wild share market rollercoaster and…[..]

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Are women smarter investors than men?

Men are the best investors. Or so Hollywood tells us. “Greed is good,” Michael Douglas’ Gordon Gekko famously announced in Wall Street, immortalising the notion that brash, testosterone-fuelled risk taking…[..]

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Super or the mortgage?

Why super? There are two key reasons why topping up your super could be a better option. The first is that home loan repayments are usually made with after-tax money.…[..]

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At the heart of an investment portfolio

ETF investors following a classic core-satellite strategy hold the core of their portfolios in index-tracking ETFs. Such investors then hold the remainder of their portfolios in smaller "satellites" of selected…[..]

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Dividends cushion an eight-year rollercoaster ride

Dividends have cushioned an eight-year rollercoaster ride for share investors. This is illustrated by looking at the ups and downs of the S&P/ASX200 Index (prices only) and the S&P/ASX200 Accumulation…[..]

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Some Australians are banking on inheritance to secure retirement

Almost one third of all Australians may be relying on the inheritance to pay off the mortgage and ensure their financial security in retirement, according to recent research by MLC,…[..]

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Managing a holiday home

Reproduced with the permission of the Mortgage and Finance Association of Australia (MFAA) Before you take the leap into holiday-home investment, it is essential that you consider all angles. This…[..]

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Going undercover

Reproduced with permission of Vanguard Investments Australia Ltd First the good news. Millions of Australians gain their life and disability insurance as well as income-protection insurance through their super funds'…[..]

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Start 2016 on the right foot

December 2015 General Advice Warning: Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior…[..]

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How to shop safely online this Christmas

If you want to avoid the crazy crowds this Christmas, shopping online can be faster, easier, cheaper, and offer more choice than your average shopping centre. But, while most online…[..]

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Why paying off your credit cards is not enough

Reproduced with the permission of the Mortgage and Finance Association of Australia (MFAA) Getting your mortgage application together can require quite a bit of financial scrutiny. In order to figure…[..]

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3 financial tips for responsible parents

We all want our children to have the best possible future. Here are three things you can do today to help give your kids a good start in life. Having…[..]

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The truth about divorce

The breakdown of a relationship is a sad and stressful time for everyone involved. Getting some advice can help make it easier – especially where your finances are concerned. Divorce…[..]

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Surviving the summer

An Australian summer evokes images of sun, sand and sea. But there’s a serious side too – with extreme weather events and other dangers more prevalent in the hotter months.…[..]

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Escape the rat race

According to the Australian Bureau of Statistics, about two thirds of Australians live in a big city. There’s no doubt that big city life has many pluses, starting with more…[..]

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Four strategies to help you retire earlier

1. Build your super up Your super balance is your ticket to an early retirement. The sooner you put money into it, the more time it has to grow –…[..]

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Spring clean your finances

The house isn’t the only place that needs a spring clean. Messy money management can potentially cost you thousands of dollars – and hold you back from achieving your goals.…[..]

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5 things everyone should know about leaving an inheritance

1. Who can inherit my estate? Your estate includes everything you own when you die. You can decide who’ll receive it by leaving instructions in your Will. However, there are…[..]

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