Constructing a Retirement Portfolio in a Low Return World

  Portfolio construction is a much-used term that can be misunderstood. Fundamentally, the term portfolio construction refers to the process of selecting investments to create the optimal balance of risk and return. By mixing different types of investments and different asset classes, portfolios can be built in a way that maximises the return for any…

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Do You Value Your Assets More Than Yourself

  Value is a funny thing. One person’s trash can be another person’s treasure, as the old saying goes. The value we place on something tends to be very individual, and is generally a product of many different factors ranging from cultural background and upbringing to personality type and even life stage. But as much…

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From Sea Change to Tree Change – we have a new address

Happy New Year! We hope you had a happy, safe and healthy festive season and have started 2022 has started well! After nearly 12 years at our beautiful Cotton Tree office on the Maroochy River, we are making a “Tree Change” and relocating our office to Buderim. Our new premises are located at 7 Foote…

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Retirees: How to beat Inflation before it beats you

Investors with long memories – or a good education – will recall the bad old days when inflation was the economic bogeyman. It broke Germany’s Weimar Republic in the 1930s and nearly cratered America’s economy in the 1970s. Fortunately, inflation has been a non-issue in Western economies for decades. But is that about to change?…

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An overview of the main residence CGT exemption

  Generally, a property, including a taxpayer’s main residence, ie their family home, is considered to be a Capital Gains Tax (CGT) asset. When CGT assets are sold, taxpayers may be liable to pay tax on all, or part, of the capital gain. However, tax law provides an exemption for a dwelling that is the…

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Market volatility during COVID-19

Market volatility refers to extreme price movements over a given period. These movements may occur in a particular area, such as real estate or shares, and may be upward or downward. Ever since COVID-19 started spreading across the world in late 2019, affecting every aspect of our lives, the term ‘market volatility’ has been hitting…

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11 things everyone should know about their super

This is an image of financial planner at Maroochydore

Super is there to provide you with an income when you stop working and it may provide a tax-effective way to save for your retirement over the long-term. What’s probably more interesting, is in time, your super may become one of your largest assets. We don’t often think about that, but it’s a good reason…

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Your 7-point retirement planning checklist

This is an image of couple talking about retirement plan

You might feel emotionally ready to retire but you’ll want to make sure you’re financially ready too. Socialising with mates, enjoying leisurely activities and indulging in the odd trip away are all things that have likely crossed your mind when thinking about how you’ll spend retirement. Beyond that though, have you given much thought to…

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Supporting Your Kids, Without Sacrificing Your Own Retirement

  In the past, wealth was often passed on through an inheritance. But with our longer lifespans, and the higher cost of living (especially housing), the desire to help our kids while we’re alive and well is increasing. If your children are young, you may have twenty or thirty years to save and invest on…

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