Let’s talk about Insurance

Buying Life, TPD and income insurance, should I buy it in my Super or outside of the fund? Some advantages Many of the company and industry funds offer insurance in the super.  Often this allows you immediate acceptance often without medicals and involving a lot of paperwork. Due to the size of many of these […]


This Editorial is very much aimed at the small to medium size business (SME”s).  Small businesses are suffering from over compliance and government red tape and generally rising costs of running a business. To succeed in business today it is simply impossible to work toward a productive and profitable future in business without spending more […]

The BIGGEST Purchase of Your Life.

Buying your first Home Saving up a 20% deposit especially for a home in a major Australian city is a BIG ask.  You need to put a plan in place and calculate how many months it will take to achieve your goal, your deposit for your first home.  Research where you want to live and […]

Super News for Retirees

Federal Government released draft legislation whereby retirees over 65 would be able to make to their superannuation contributions up to $300,000 within a 90day period of selling their home and providing they were moving into a retirement community, aged care facility or smaller homes not close to schools or away from major employment centres or […]

Federal Government First Home Super Saver Scheme

The Federal Government has now just released a draft legislation announcement of its First Home Super Saver Scheme, which from all indications will be controlled by the Australian Taxation Office (ATO).  They will have the authority to determine who is eligible to withdraw funds from their super fund to contribute towards buying their first home. […]

Know When or If to Retire

Before considering retirement you need to know what your retirement will look like and can you afford to retire, or should you retire.  Know how much you will need in retirement. How many games of bowls or golf games a week are going to long term satisfy you in retirement.  How many times can you […]

Market Update

Is the Second Longest Bull Market Running Out? The bull market is still going but how long can this bull market keep running? Since March 2009 it is the second longest bull market in 99 months. Markets have risen considerably. Bull markets cannot go on forever and while we are still seeing growth, it’s probably […]

Market Update

Housing Market The Australian Bureau of Statistics has released dwelling approvals data for the month of May at a national level showing the number of dwelling approvals fell by 5.6% to 16,448.  The decline was due to the unit and apartments dropping by 12.1%, however home approvals actually rose slightly.  There is still the belief […]

RBA Announces Official Cash Rate Call

There was no surprise when the RBA at its July monthly board meeting announced another hold on its official interest rate of 1.5% for July.  The RBA last moved rates  August 2016 down to the current rate. There is speculation among analysts that the next rate move will be upward.  The RBA remains positive that […]

Market Update

Markets are still positive and ASX on Monday went up 0.78% to 5,948.90. The Dow up slightly 0.01% to 20,658. The next few days the ASX could pass through the 6000 point barrier. Recent surveys show market confidence to be high and those surveyed show 1 in 2 believe the market will be higher in […]