Other FAQs
All investments carry some level of risk, but risk can be managed — not eliminated. Ways to manage risk include: Diversifying across asset classes Avoiding concentration in a single investment [...]
Investment portfolios should generally be reviewed at least annually, or whenever there is a significant change in your circumstances. Regular review helps ensure: Your asset allocation remains aligned with your [...]
If you’re self-employed and want to apply for a home loan, you will need to provide evidence of your business’ financial position. In addition to the regular personal financial information [...]
General information is broad and educational. Financial planning provides personalised advice, based on your specific circumstances, goals and risk profile — helping you make decisions that are appropriate for you.
This is one of the most common and important retirement questions. The longevity of your savings depends on several factors, including: How much income you draw each year Investment returns [...]
There’s no single benchmark that applies to everyone. The amount you need in super depends on your lifestyle goals, retirement age, other assets and whether you expect to receive any [...]
During the school term, you’re busy planning classes and marking homework, so you typically don’t have time to search for a property, speak to a real estate agent or start [...]
Yes. Insurance can be held either inside or outside superannuation, and sometimes a combination of both is appropriate. Holding cover outside super may: Provide greater flexibility in certain claim situations [...]
In most cases, no. Lenders generally offer the same interest rates whether you apply directly or through a broker. Our role is to help you compare options, negotiate where appropriate, [...]
Possibly — but it depends on your financial position and how sustainable your income will be. Early retirement means your savings need to last longer, and you may not yet [...]
Many people hold life and TPD insurance automatically through their superannuation fund. While this can be convenient and cost-effective, the cover amounts are often based on default settings rather than [...]
Yes. A home loan is just one part of your overall financial picture. Financial planning helps ensure your property decisions align with your broader goals, including wealth creation, retirement, risk [...]
Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll [...]
In many circumstances, yes. One of the unique features of SMSF commercial property investment is that an eligible business may be able to lease commercial premises owned by the SMSF, [...]
Your super investment option should reflect your time horizon, risk tolerance and overall financial strategy. Many people remain in default or “balanced” options for years without review. While these may [...]
