Traditionally financial advice has always been fundamentally rooted in the concept of a physical meeting and presentation, however the concept of a “virtual adviser” has been growing globally as technology continues to improve. That was the case until recently,…
Being a client of Superannuation Advice Australian most likely means that you’ve heard the term ‘Active Management’ or ‘Actively Managed Funds’ used fairly often. That is because we believe that this form of investing will be most beneficial to…
Investment markets in Australia and overseas have experienced significant volatility due to the impact of COVID-19, an event that no one could anticipate. If your Super is invested in a high growth strategy or in a life stage fund…
Active or Passive? Why not do both with a Core-Satellite approach? One of the best strategies for building long-term wealth such as superannuation, is to implement a Core-satellite approach. This strategy recognises the fundamental importance of asset allocation for…
Life expectancy Consumers’ needs are evolving because they are living longer and healthier lives. In Australia, life expectancy is among the highest in the world, with the average male living to age 80.7 and the average female living to…
What is a TTR Strategy? A TTR Strategy is a strategy of moving all or part of your super to a pension account which allows you to start receiving payments from your super even while you are still in…
If you pay close attention to the value of your superannuation fund, and if like most people your money is spread across the main investment classes, you would have noticed that your retirement savings can both rise and fall…
Cognitive biases can often lead to suboptimal decision making (Daniels 2019). The prominence of behavioural finance has caused it to be increasingly accepted as an alternative to traditional finance theory and is based on this assumption. Behavioural finance originated…
In superannuation terms, transition to retirement is accessing your super while you are still working and drawing an income stream to supplement also receiving a salary. Transition to retirement (TTR) strategies have the potential to give pre-retirees some lifestyle…
You may ask, what is Trauma Cover? Trauma Insurance provides a lump sum payment to cover immediate needs when a critical illness or injury occurs. Trauma cover falls between Total Permanent Disability (TPD) and Income Protection. Where TPD may…