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Women and superannuation – how the pay gap can impact your super

According to the Australian Bureau of Statistics, women are retiring with 37% less than men in their super accounts, which is a frightening thought considering women, on average, live up to five years longer. So, what’s behind the super gap? The super gap is partly due to the lower average earnings of women. Data from...
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What is risk appetite?

For some people, risk means excitement and opportunity. For others, it invokes feelings of fear and discomfort. We all experience a degree of risk in our everyday lives – whether it’s simply walking down the street or having investments in the share market.  Everyone has a risk profile that defines their willingness to accept risk....
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What happens if you need to become a carer?

You’ve made plans, set a budget and financial goals; you’re ready for anything, right? But what happens if a loved one is in an accident or your ageing parent starts needing dedicated care? How do you juggle career and the role of carer? Registered Nurse, Rachel James, had packed her bags and was five days...
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Weighing up costs and benefits of an SMSF

For many people, the idea of managing and investing your own retirement savings is very appealing. But there is debate over whether running your own self-managed super fund (SMSF) is cost effective. So, what are the arguments for and against having your own fund? Taking control of your super People choose to run their own...
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Too wealthy for home care subsidies?

Did you think you would not qualify for the government subsidies on home care? Take another look – you might be surprised.  The cost of full-time private care provided in your own home may look daunting. But financial advice along with a government-subsidised home care package and support from friends and family, might make home...
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The 101’s of Self Managed Super Funds: some basics and benefits explained

In the right hands, a self-managed superannuation fund (SMSF) can be a beneficial way to build wealth for retirement. Whilst they are not for everyone, it is important that when thinking of starting an SMSF, individuals need to understand the benefits and responsibilities they take on by having an SMSF. What is an SMSF? An...
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The rise of the female investor

While society continues to grapple with the factors driving gender and pay inequity, women are proactively turning to investing more than ever before. And in doing so, they are demonstrating a very competent and sensible approach to building up their wealth outside of superannuation. Each year Equal Pay Day, on a date calculated by the...
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The A-Z of Inheritance

Inheritance is an emotional subject on every level. The people leaving an inheritance generally do it with pride and love. The people receiving an inheritance often receive it with gratitude – and sorrow. But while emotional, it’s also a financial transfer that comes with a whole range of legal, financial planning and admin issues attached....
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Supporting your kids, without sacrificing your own retirement

In the past, wealth was often passed on through an inheritance. But with our longer lifespans, and the higher cost of living (especially housing), the desire to help our kids while we’re alive and well is increasing. If your children are young, you may have twenty or thirty years to save and invest on their...
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