man using a magnifying g;ass to review two nest egg baskets, filled to different levels by golden eggs. He is wearing a suit and tie, but contemplating splitting superannuation with his spouse with an eye to improving retirement funding

Superannuation Splitting

any Superannuation splitting occurs when one partner in a relationship – transfers contributions made into their own superannuation account, to

Read More +

Superannuation Nonconcessional Contributions

What are superannuation nonconcessional contributions? Superannuation nonconcessional contributions are contributions that have been made – by an individual member; and

Read More +

three stacks of coins of different heights; each is topped by a wooden block with an image of a 'circle' face. The one on the tallest stack is laughing, the mid-sized stack has a smiley face, and the small stack has a frown. These represent what is left of the different categories of termination payment after the tax has been deducted

Termination Payment categories taxed differently

What termination payment categories might you receive on ceasing employment? Employment termination payment categories are either – redundancy payment; accrued

Read More +

older couple sitting at home table reviewing finances and retirement funds and using a calculator and a laptop to calculate allocated pensions

Allocated Pensions

What is an allocated pension? Allocated pensions are simply accounts within superannuation funds that pay you regular pension payments. Within

Read More +

Term Allocated Pensions

What are term allocated pensions? …or perhaps the question is becoming – What were Term Allocated Pensions? A term allocated

Read More +

middle aged couple examine a document presented to them by their financial planner - a female, as they contemplate their recommendation for a self-funded income stream

Self-funded Income Streams

Self-funded income streams are an important component of the wealth management strategies for those who are preparing for, or who

Read More +

on a table surface with a green wall background, are a set of lettered dice blocks, the first showing at a tilt, one surface with the image of a bull and another with that of a bear: the rest of the dice spell out M-A-R-K-E-T. Shows the financial market influences can be quite strong

Financial Markets Influences

Financial Markets influences are felt by all market participants. Sometimes they impact the investment/ trade on the day; otherwise they

Read More +

image of a young couple sitting at a desk with their financial adviser reviewing proposed portfolio construction and potential outcomes shown on graphs and tables - investment portfolio diversification at work; reviewing some offered wealth management tips; strategic investment objectives

Investment Portfolio Diversification

Investment Portfolio Diversification: what is it? …and should you avoid over-diversification? Investment portfolio diversification is heralded as the way to

Read More +