Stuart Wemyss Printable version How much of your income each month do you contribute towards achieving your financial and lifestyle goals including retirement? Every employee already contributes 9.5% of their gross salary towards their retirement savings in the form of compulsory super. But super is just not enough for most people. Firstly, depending on your income level, …
Click here for a printable version If you invest in residential property, how can you be sure that it’s going to work out for you? The media talks about a property bubble, whether the government should abolish negative gearing, the RBA’s warning banks to not be too exuberant to lending money and so on. There’s …
Many home owners focus on repaying their home loan as quick as possible. Of course this is often a good idea. Plus, it’s an easy decision when we ask ourselves the question “what should I do with my money to build financial security”. An often more challenging question is what else can/should I do, if …
Successful investing is relatively easy but many people and some professionals over-complicate it. I have discovered that most people do not understand or fully appreciate two very important, yet simple principles. Firstly, there are typically two steps to a retirement strategy – most people think there’s only one and this is where they become misguided …
Is insurance a waste of money if you never need to make a claim? What about a situation where someone has no cover, acknowledges that they need some cover but procrastinate about getting cover organised. A year goes by and they still don’t have cover but also they haven’t needed to make a claim so …
There has been an increased amount of press on financial planners recently – particularly ones that work for CBA and Macquarie (click here for an example of the articles). The main criticism relates to the quality of advice (the blame on poor quality is the sales culture of large organisations and lack of training/qualifications). I …
How you structure your loans can have a large impact on the tax you pay, your risk, your ability to build wealth, your cash flow and your general financial strength. Efficient loan structuring is a commonly overlooked and rarely understood topic but that’s not to say it’s overly complex. Like anything, you don’t know what …
If you start planning now There are many reasons that compel people to begin investing including funding their children’s private education. Private school fees can cost in the range of $10,000 to $30,000 per year (at the moment anyway – they increase each year). There are other costs in addition to fees including computers, uniforms, …
The below newsletter includes the following articles: 1. 30 June tax planning strategies 2. Did you pay too much tax last year3. Time poor? Pilot our new services for free4. Our lowest rates. 30 June tax planning strategies By Rick Henderson, Principal, ProSolution Tax Advisory It’s hard to believe it’s almost 30 June again and …
When it comes to my role at ProSolution, there are two things I honestly love doing: 1. Writing articles, books, blogs and so on and 2. Meeting with clients and helping solve their problems and answering their questions. I really dislike doing any work other than these two things but hey, that’s life. One of …
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