FP – Super – Accumulation

Separating fact from fiction when it comes to superannuation

Separating fact from fiction when it comes to superannuation If you’re wondering whether super is improving retirement outcomes for Australians, we take a look at some of the findings. If you’ve got compulsory super contributions coming out of your wages or salary, or you’re making voluntary contributions, or both, you’re probably keen to know how super is making a difference to everyday Aussies, if at all, given it’s a system that has now been in …

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Simple money steps for women

Simple money steps for women The same approach to managing day-to-day money can be applied to long-term investments. It was Carrie Bradshaw, of Sex and the City fame, who said: ‘I like my money where I can see it – hanging in my closet.’ While that might sound trite, it’s not far from the truth for many women. Most of us are more comfortable dealing with day-to-day money and the tangible things it can be …

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Prepare for retirement……without missing out today

Prepare for retirement……without missing out today If you’re looking for a way to start saving for your retirement, but still enjoy your lifestyle today, you’re not alone. Recent research shows 54% of Australians aged 55-64 want the same thing.i No doubt you already have a cashflow system in place, but perhaps it’s time to revisit it. It could be the first step to achieving your retirement goals, and really can make a difference to your …

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5 ways Australians will use their tax return this year

5 ways Australians will use their tax return this year With nearly one in three people planning to save their tax return, have you considered what you might do with yours? This year more than 75% of Australians expect to receive a tax return, with a large portion of the population planning to use the money they receive to take the edge off their financial commitments.i We look at the most common ways people intend …

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Planning is the key to making it financially

Planning is the key to making it financially If you’ve paid off your home, have a healthy stash of super and take an overseas holiday each year, you’ve made it financially. That’s the view of many Australians according to recent research. A study by comparison site Finder found paying off the mortgage is the financial milestone 74% of Australians value most. Having enough in super to retire comfortably comes a close second for 59% of …

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What to do when you come into money

What to do when you come into money Whether you’re faced with an inheritance, redundancy package or winning lottery ticket, it’s wise to consider your financial situation and future goals. For most of us, a financial windfall isn’t something that comes around very often. And while the extra cash is welcome, money matters may be the last thing on your mind if you’re also dealing with the emotions of losing a loved one or being …

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Money can buy you happiness – if you spend it right

Money can buy you happiness – if you spend it right At AMP’s recent Amplify program, high-profile Harvard Business professor and behavioural finance expert, Michael Norton, asked the crowded room a question. If you found $20 in the street today, how would you spend it to make yourself happiest? Norton, whose TED Talk on money and happiness has attracted almost 3.5 million views, followed up with another question: Think of the last $20 you had …

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Superannuation and the financial ties that bind

Superannuation and the financial ties that bind They say, only one thing in life is certain. And while we would rather plan our next holiday than consider what’s going to happen when we die, it is one inevitable event that we should all plan for. When someone dies, it’s a very difficult time for all the family. A Will provides some assurances as to how our money will be distributed. But what about superannuation? …

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Diversified funds’ performance – how did they do that?

Diversified funds’ performance – how did they do that? 12 July 2017 Comparing managed funds can be confusing because, contrary to current practices, evaluating performance is not all about returns – it’s also about how much risk you as the end investor took to get there. So how can you measure your fund’s level of risk? Below are four broad indicators to watch for: Exposure to growth assets – this is the most common method of …

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Living longer, working longer and super balances larger

Living longer, working longer and super balances larger Australians with the best life expectancy in history will have to work longer in order to be able to fund their retirement. But research has found only half of all working Australians will be healthy enough to work in to their golden years. The latest AMP.NATSEM report, Going the distance: Working longer, living healthier, has found the majority of Australians have less than a 50 per cent …