news
-
Financial Advice for Women
- November 9, 2019
- Posted by: Jeff Strachan
- Category: Articles
No CommentsFINANCIAL ADVICE FOR A LONG LIFE Retiring earlier and living longer: why every woman needs the right financial strategy to make sure their savings will last their distance. Women in Australia can look forward to long and healthy lives, with the average female life expectancy now higher than 84.1 What’s more, women tend to leave
-
November 2019 – Newsletter
- November 7, 2019
- Posted by: WebsiteToGo
- Category: Newsletter
Download -
Financial Advice for Singles
- November 2, 2019
- Posted by: Jeff Strachan
- Category: Articles
Single and fabulous? Make sure your finances are in top shape as well. Whether you’re single by choice, readjusting after a break-up or the death of a partner, or maybe you just haven’t found The One yet – you probably agree that single life comes with a lot of personal freedom and flexibility. It can
-
Ethical Investing and Socially Responsible Investing SRI in Adelaide
- June 24, 2019
- Posted by: Roe Financial
- Category: Tips and Learning Guides
Do you want your Superannuation invested in ways that are considered Ethical or Socially Responsible Investing (SRI)?
-
Retrenchment and Redundancy – What To Do?
- June 24, 2019
- Posted by: Roe Financial
- Category: Tips and Learning Guides
Retrenchment and Redundancy Advice
Getting retrenched or receiving a redundancy payout has some major considerations. Nothwithstanding the major decisions you have regarding your future, you need to get sounds financial advice on your entitlements and what the tax implications are on the retrenchment or redundancy payment.
-
Basics of Investing
- June 24, 2019
- Posted by: Roe Financial
- Category: Tips and Learning Guides
What is the difference between saving and investing?
- Saving is setting money aside in cash accounts (generally bank savings or cash management accounts) for immediate expenses, emergencies and short-term plans. The money earns interest, which is added to your assessable income and taxed at your marginal rate.
- Investing is putting money into assets to grow in value, deliver returns and build long-term wealth and security. There is a wide range of investments to choose from, each with different features and benefits. Your age and stage of life will affect the investments you choose.
-
Case Study(Funding a Child’s Education)
- June 24, 2019
- Posted by: Roe Financial
- Category: Tips and Learning Guides
Funding a Child’s Education
Dean and Jenny are in their 30s and have a four-month-old baby, Alice. To ensure they’ll be able to afford Alice’s education, Dean and Jenny decide to start a dedicated savings plan. They estimate that by the time Alice is 11 they will need to have saved $84,000 (in today’s dollars) to meet her annual private high school fees of around $14,000 for six years.
-
Case Study(Borrowing to Invest (Gearing))
- June 24, 2019
- Posted by: Roe Financial
- Category: Tips and Learning Guides
Borrowing to Invest (Gearing)
Sarah wants to save for a deposit on her first home. She already has savings of $40,000 and decides to take out a margin loan of a further $40,000. With double the money to invest, she has the potential to earn a greater return than if she just invested her own money. However, Sarah understands that borrowing to invest (a strategy known as gearing) also means she has the potential to lose a lot more – and if her chosen investments don’t perform well, she will have to repay the loan regardless.
-
Basics of Super
- June 24, 2019
- Posted by: Roe Financial
- Category: Tips and Learning Guides
Setting Up Your Superannuation For Your Future
When the time comes to retire, it would be nice to feel confident that your life after work will be comfortable and that you’ll have the time and money to enjoy many things you weren’t able to do while working.
The Age Pension provides only a very basic retirement allowance that most people would find difficult to manage on. This is why it is so important to take control and set yourself up for your future now, by making regular personal contributions to your superannuation fund.
-
Case Study(Superannuation Salary Sacrifice)
- June 24, 2019
- Posted by: Roe Financial
- Category: Tips and Learning Guides
Superannuation Salary Sacrifice
John earns $75,000 pa and his tax rate is 30%. He wants to put away an extra $5,000 a year towards his retirement, but he’s not sure whether the tax advantages to be gained from investing in super are worth tying his money up. His other option is to invest outside super.