19
Jul

4 simple steps to picking the right diversified fund

4 simple steps to picking the right diversified fund

Choosing the wrong diversified fund is not only risky - but it could mean failing to reach important financial goals. Here are 4 simple steps to effectively evaluate diversified funds.

Many diversified funds appear similar on the surface, but when you lift the hood, they’re poles apart. Evaluating diversified fund performance can be like comparing the proverbial ‘apples’ with ‘oranges’.

But in this complex and volatile investment environment, choosing the right diversified fund has never been more important for investors and advisors. The wrong fund will not only be too risky, but its performance could mean failing to reach important financial goals.

03
Jul

Your options in aged care explained

Your options in aged care explained

It's possible that in the future you, or someone close to you, may need some form of care or daily living assistance. With lots of information to sift through and the conversation sometimes a tricky one to approach, we've pulled together some information to make navigating aged care an easier process.

29
Jun

Home equity - the $500 billion resource for seniors

Home equity - the $500 billion resource for seniors

Reverse mortgages are an option for asset-rich, cash-poor seniors to boost their cash flow in retirement, but there are downsides.

28
Jun

It's been a good year for investors

It's been a good year for investors

The end of financial year is with us, and if we take a look at how some of the major asset classes have performed, it turns out the last 12 monthshave been pretty good for investors. 

14
Jun

The Australian economy hits another rough patch – implications for investors

The Australian economy hits another rough patch - implications for investors

Growth slows again
Despite numerous forecasts for an “unavoidable” recession following the end of the mining boom early this decade, the Australian economy has continued to defy the doomsters and keep growing. However, recently it seems to have hit a bit of a rough patch. After contracting in the September quarter, the economy bounced back in the December quarter only to falter again in the March quarter. While there was relief that we didn’t see another contraction, as had been feared, and the economy has now had 103 quarters without a recession, it would be wrong to get too excited. March quarter growth was just 0.3% quarter on quarter and annual growth slowed to 1.7% year on year, its slowest since the global financial crisis (GFC).
 
31
May

How to live in harmony with your adult children

How to live in harmony with your adult children

If you thought you’d have the house to yourself once the kids reached adulthood, statistics paint a different picture, with more adult children remaining in the family home today than in years gone by.

Not only are children living with their parents for longer, a high portion of those who move out end up coming back within a year or two.

If it’s something you’re facing, we look at what you can do to ensure your own goals aren’t overlooked.

31
May

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

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 in a decade.

It is critical for new trustees not to neglect any of the fundamentals of self-managed super in their efforts to understand the changing super system from the beginning of July.

31
May

Renters need over $1m to retire comfortably

Renters need over $1m to retire comfortably

While the implications of housing affordability is often acknowledged when it comes to younger Australians, the repercussions it’s having on pre and post-retirees also requires attention.

According to figures published last month, couples living in rental accommodation in Australian capital cities need over $1 million in super to live a comfortable lifestyle in retirement. And, that’s assuming they’re relatively healthy, with serious illness or disability making the situation more challenging.1

We check out the figures, which were released by the Association of Superannuation Funds of Australia (ASFA), and what research indicates when it comes to the future for retirees.

31
May

Buying a Tenanted Investment Property

Buying a tenanted investment property

There are plenty of upsides to buying an investment property that already has a tenant, as well as a raft of risks. Here’s how to minimise them.

  • Purchasing an investment property that already has a tenant means you collect rent from day one, with no vacant period and no lease fees to find a new tenant. The lease just carries on as it did before you purchased the property. Sound good? Of course it does. There are some possible problems to be aware of though.
31
May

To rent or own: retirement living options

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.

31
May

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

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 couples.

22
May

In your interest: a mortgage buffer

In your interest: a mortgage buffer

Homebuyers who make higher repayments than the minimum required are developing a valuable buffer to help cope with future rate rises or unexpected financial setbacks. A mortgage buffer makes much sense.

More than three years ago, the Reserve Bank reported that "anecdotal evidence suggests" that about half of households had not reduced their regular monthly repayments as interest rates had fallen. And it is likely that this buffer-building pattern has continued through the subsequent years of rate cutting.
22
May

Don't let your portfolio end up like a gym membership

Don't let your portfolio end up like a gym membership

New Year resolutions and portfolio rebalancing face common challenges.

Both spring from the best of intentions. Both can drift into the background as the holiday season draws to a close and the urgency and demands of everyday life return.

For self-managed super funds (SMSFs), the more relaxed pace of life earlier in the year often presents the opportunity to review the fund's portfolio and investment strategy.

22
May

Want a great retirement?

Want a great retirement?

When the word retirement is mentioned in everyday discourse it's often associated with numbers. The amount you'll need to retire. The age at which you'll stop working. The tax you'll incur as you draw on your super. But what these numerical references neglect is the psychological dimension.

As someone who's decades away from retirement, I can't talk about my personal experiences (there are none) or expectations (what retirement?). I'll instead just refer to fresh research that explores the non-financial aspects, which are arguably as important as the financial.

Diversified News

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Tel: 03 9770 6499

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