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Feel free to read and ask any questions you may have.
When interest rates go up, Bond prices go down
When interest rates go up, bond prices come down. The value of your everyday savings goes up, therefore the fixed interest bonds that you once
How much Financial Advice Fees should I pay?
If you don’t have much money and your questions are simple, then you should first look to the free resources on Google. But what is
What if I cant get insurance?
Often, people who ask me to get life insurance are those who have a hard time getting it due to pre-existing health conditions. If they
What type of Share Trading Account should I use?
There are 2 types of Share Trading Accounts: 1) CHESS Sponsored like CommSec or 2) Custodial like eToro. The main considerations come down to 1)
Investment Income Rates of Return 11.09.23
Points of note: Estimated Income Rates @ 11.09.23 Risk Category Investment / Fund Estimated Income Rate % Payment Frequency Withdrawal / Liquidity Cash Cash 4.5%+
2022 Federal Budget Summary
Budget Summary from AFR 26.10.22 -New parents – parental leave up from 20-26 weeks by 2026 -Families – childcare subsidies up July next year -Medicine
Life Insurance Premiums 20.10.2022
The below premiums are sourced from over 10 major insurance companies (excluding TV advertised policies and superannuation policies). Not all policies have the same terms,
US Sharemarket Index 13/10/22
Below is a 1 year and 5-year chart of the broad US sharemarket. Is it time to buy? I don’t know how much further it
Check your insurance policy covers your sport
Starting a new sport is fun. Some insurance policies will cover you for that sport, some won’t. Better to ask before you start – financial
Educational note on BHP/RIO Shares 12/9/22
*Not financial advice* BHP-Dividends paid 06/2022 year: 11.2% plus 100% franking-Current price 39.41 (1 year low 35.56, 1 year high 53.72)-Businesses – Copper/Iron Ore/Nickel/Metallurgical Coal/Potash
Income Rates 7/9/22
Below are actual/estimated income rates of return from investment funds (with the exception of cash and TDs) effective 7/9/22.How could you use this table? You
Contribute to super with shares instead of cash
Did you know you can contribute shares to super instead of cash? Not all super funds offer this, but you can via an in-specie transfer
Frequency of payment – dividends / distributions
Does it matter how frequently we get paid dividends from shares? Does it matter if we receive it twice a year or four times a
Mortgage Funds
What is a mortgage fund? A fund that invests in loans and passes on the rate of interest as a return. How does it work?
Income Protection
Would you consider paying 1% of your wage (can be more or less) to extend your sick leave? If the answer is maybe, and you
What is Child Cover?
Depending on the insurance provider, child cover may provide a lump sum payment if the insured child dies, becomes terminally ill or is diagnosed with
66% Maximum Tax Rate for Children
66% is the maximum tax rate rate children may pay on investment earnings. More specifically: $0-$416 income = No Tax $417-$1307 = 66% Tax $Over
Investment Bonds / Insurance Bonds
Wouldn’t it be nice to invest something for the kids that would pass on capital gains tax free after 10 years? And you can control