Have you ever heard the term Asset Diversification and wondered what this means? When fund managers are investing your superannuation assets, the goal is to obtain as much growth with as little loss to your wealth as possible. Dividing your superannuation into…
Salary sacrificing is a valuable saving tool, reduces your taxable income and can maximise growth within your superannuation in preparation for retirement. A common misconception is that salary sacrifice only benefits high- and middle-income earners. However, regular, affordable contributions…
Your Superannuation is your future. Super, is money set aside during your working life in preparation for your retirement. Your superannuation fund, for most people, should start up when you start working, you employer start paying a percentage of…
An account-based pension is a regular income stream which offers tax effective and flexible income stream payments using your superannuation funds. Clients spend their working lives accumulating Superannuation, and when they have reached “preservation age “(between age 55 and…
Many people that have now become clients of Superannuation Advice Australia have all had the same question, why do I need a Financial Advisor? Here are some questions we like to ask potential clients when considering whether they have…
The Whitepaper and Research THE CALI CAMPAIGN The CALI campaign aims to increase awareness among government, regulatory, industry and other stakeholders of the issues and challenges facing Australian life insurance consumers, life insurers and life insurance advisers. The campaign…
With the approach of 2021, the world continues to struggle with COVID-19 and its effect on the global economy. While Australia has weathered the Coronavirus storm well compared to many other countries, the unemployment rate sits at 7% and…
Trauma, also known as critical illness benefits, came into existence and effect in the early 1980’s and since its creation both clients and adviser have questioned its value and whether it could be substituted by just total permanent disability…
Sequencing risk is the risk that the timing and order of the investment return by your client are less favourable which in result means less money for their own retirement. As illustrated below, sequencing risk is amplified when the…
The Howard Government originally introduced the TTR pensions for people leading up to retirement so that they are able to reduce their working hours and give them the ability to replace some or all of their pay that was…