Rob Gilmour

I have always said it is better to be a shareholder of a bank in Australia rather than a just customer, particularly if you have an SMSF.  This point has been reinforced over the past couple of weeks when almost in tandem, the Big Four increased rates out of cycle with the Reserve Bank.  ANZ… [Read More]

As we look back on the last financial year we have seen Australia face numerous challenges with the decline in our mining sector, rising unemployment, a political stalemate over the budget and below trend growth.  Yet with all of these forces at play it was a year when bonds, residential property and shares all posted… [Read More]

In a move that has been well received across the business community, the Government has introduced a number of measures to help small business.  As the biggest generators of employment in Australia, giving small business a boost is designed to kick start the Australian economy as it struggles to transition from the mining boom. The… [Read More]

There has been a lot of speculation about potential changes to superannuation and the debate has again been politicised with Labor resurrecting plans to tax superannuation income over $75,000, previously proved as an unworkable tax.  However, the Coalition did keep its commitment not to tinker with superannuation in this year’s budget, but that does not… [Read More]

The Budget has set out measures that change to the way childcare funding will be distributed.  The changes are based on a number of factors that include how much you earn, much much you work, the cost of your child care and how many days your kids are in care.  The childcare rebate (not means-tested)… [Read More]

Last month we looked at the importance of personal insurance and the types of policies to protect against risks to your financial well-being.  This month, we outline three important things to think about when choosing personal insurance. Everyone is different, as is their personal situation, so while there is no one size fits all approach… [Read More]