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A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.
Superannuation funds and super contributions form a strong foundation for life after retirement. If your super contributions are well managed, you can not only save taxes but also save more for your retirement. As complicated as the super system can seem, ultimately there are two types of super contributions, pre-tax and after-tax.
Depending on your level of assets and income, you may be asked to pay a means tested care fee in addition to the other costs associated with aged care. The means tested care fee is a contribution toward your day-to-day care costs such as nursing and personal care. This fee applies whether you are receiving a home care package (based on income only) or you are in residential aged care (based on income and assets).
The Australian Prudential and Regulatory Authority (APRA) is the body responsible for banking, insurance and superannuation businesses in Australia. In the super space they are endeavoring to improve outcomes for super members by eradicating poor performing funds and improving transparency across the industry.
Global bond markets have suffered significant losses since last year’s peak, as central banks worldwide tighten monetary policy to combat rising inflation. We don’t normally associate bond funds with negative returns but many of these investments are currently showing negative returns for the past 6-months.
Most advanced economies of the world have largely not had to worry about rising inflationary problems for a long time and here in Australia, it’s been very well controlled since the early 1990s. Throughout the pandemic, the financial world has been talking about transitory inflation which has been seen as a positive economic development as it reflects when financial stimulus (in this case from Governments) creates a surge of economic activity (think Job Keeper spending) that temporarily increases the demand and therefore cost of things (think toilet paper).

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A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.