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…
Marcus Warren It is no longer news that Covid-19 has affected the Australian economy significantly. The questions we need to ask ourselves are the following: What actions can be taken to strengthen Australia’s economic recovery and; What opportunities exist…
Ian Littler During these uncertain times, you might be nervous about your Super investments. It’s important to consider your long-term goals and make well-informed decisions. Here are some things to take into consideration with your Super investments to ride…
It’s an amazing fact that many people look after their belongings better than their own lives. Most people wouldn’t think twice about insuring a car, but what about insuring a life? It’s not a good idea to focus on…
Cameron James Following COVID-19, risk profiling as a tool has become more important than ever. Coronavirus has shown us again that market downturn is sudden, and it is not always a straight line up for market growth. The COVID-19…