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With the election now decided it is likely the changes to superannuation put forward in the 2016 budget will be passed by Parliament.  The volume and significance of the superannuation changes announced prompted questions from our clients, particularly with regards to the pension transfer cap and the lifetime non-concessional contributions limit. We discuss some of… [Read More]

Article written by Hamish Douglass of Magellan Asset Management I am often reminded of the sage advice from Sir John Templeton: “The four most dangerous words in investing are ‘this time it’s different’.” As investors, I think we need to question whether we are entering a new technological and machine age over the next 10-25… [Read More]

When we think of retirement planning we think of super. Super is huge. But is super the best way to build assets for retirement? Is there a better way? Has the 2016 Budget really changed the game? The answer, to get to the point quickly, is no, at least for most people. Under the proposed rule changes most people… [Read More]

An article in the SMH recently reported an analysis by the Melbourne Institute showed the top 0.1 per cent – a mere 18,750 people – took in 2.7 per cent of income in Australia, the highest take since the 1950s. The starting income for the top 1 per cent was $237,300 and on average each earned $438,100,… [Read More]

We are about to have our third child shortly!  While this will turn life upside down (again), quite often people remind us of the looming tidal wave of school fees ahead (as if day care fees weren’t bad enough). With the cost of the top private schools being as much as $25,000 per year, this… [Read More]

Superannuation is changing, this is assured given with both sides of politics seeing this as part of a broader change to our overall taxation system. Superannuation is a highly politically charged area as it affects everyone, none more than those who are already retired or are close to retirement. One way or another, changes will… [Read More]