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Life Expectancy

A Changing World

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…

Transition to retirement

Transition to Retirement Pensions

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…

Why does the balance of my super go up and down

Why does the balance of my super fund go up and down?

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…

Behavioural biases, respond or react

Behavioural biases, respond or react?

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…

Transition To Retirement TTR

Transition to Retirement

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…

Benefits of Trauma Cover

Benefits of Trauma Cover

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…

beyond covid-19

Beyond COVID-19

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…

Super in COVID WORLD

Super in a COVID world

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…

Are you looking after yourself- Life Insurance

Are you looking after yourself?

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…

risk profiling

Why is risk profiling so important?

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…