Despite continued record low interest rates, there’s still a place for term deposits in an investment portfolio. This article discusses why TD's are still being used and offers a few tips for readers to get the most out of their term deposit.
Despite continued record low interest rates, there’s still a place for term deposits in an investment portfolio. This article discusses why TD's are still being used and offers a few tips for readers to get the most out of their term deposit.
“Don't sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are low and house prices are generally rising.
If you have had different jobs with different employers over your working career you will probably have superannuation accounts in many different funds. Apart from the time it takes to keep track of these accounts, there are three more serious concerns of which you should be aware.
The kids have finally left home and now you’re rattling around in a house way bigger than you need. If it’s time to think about downsizing, there’s more to it than simply selling one house and buying another. Here are a few things to consider.
Imagine feeling on top of your finances. Knowing your money’s working as hard for you, as you work for it.
A growing number of Australians are encountering the challenges of assisting elderly relatives with the move into aged care.
You may want to consider changing any nomination you have made for your super in the event of your death, now that new super rules apply.
Salary sacrificing superannuation, by making before-tax super contributions, is a popular strategy for employees on middle-to-high incomes. The deal is that you increase your superannuation balance (and pay 15% contributions tax, and for those earning an adjusted taxable income of more than $250,000, pay 30% tax on super contributions) while reducing the amount of income tax payable (up to 49.5% including Medicare levy) on your salary or wages.
Most people either cringe or yawn when the word insurance is mentioned but regardless of whether you find it scary or boring, managing risk is a necessity in the world in which we now live. Let’s cover all of the bases to help make your home run as easy as possible.
Financial planning, corporate benefits and mortgage services are provided by AGS Financial Group Pty Ltd ABN 70 093 990 946, an Authorised Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 (AMPFP), AFS Licence No 232706. Accounting, taxation, and business advisory services are provided by AGS Accounting Pty Ltd ABN 12 166 728 696. AGS Accounting Pty Ltd is a member of Chartered Accountants Australia & New Zealand. Liability limited by a scheme approved under Professional Standards Legislation.