Don’t forget to look at the bigger picture

With the Aussie dollar making new highs everyday, the action is definitely in the currency markets. There appears to be a global currency war as countries try to weaken their own currencies to make their exports more attractive. As currency is the current hot topic, I thought I would do an updated post on the [...]

Rethinking your retirement strategy – why super may not be the most tax effective solution for you

If you are single or a couple where both parties are in the marginal tax bracket of 30 per cent and above, then salary sacrificing as much as you can into super is a no brainer as you immediately realise tax savings of at least 15 per cent or more on your contributions. However, this [...]

Interest rates falling?

Everyday we read about how well the Australian economy is doing and how inevitable it will be for the RBA to raise interest rates. Like most other people, I was expecting interest rates to go up so I was very surprised to read this article Woe for savers as banks slash rates which stated that [...]

Does your SMSF need more fixed income?

The default allocation for super funds in Australia is the “balanced portfolio” which typically has 60 per cent or more allocated to shares. However, this is not necessarily the norm for pension funds in other countries. According to the Organisation for Economic Co-operation and Development (OECD), Australian investors have the highest portfolio allocation to shares [...]

Which is the right online broker for you?

If you invest in listed securities, it is critical that you have a good broker working for you. Some readers have written in to ask which brokers to use so today I will share some of the considerations we take into account in choosing a broker and our experience with some of the brokers that [...]

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