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RYDER
The seaside towns about 80km south of central Adelaide are rising as people seek affordable lifestyle areas. Victor Harbor, Encounter Bay, Port Elliot, Hayborough and McCracken all entered 2021 with sales activity and prices rising. The median house price for Victor Harbor rose 10% in 2020 but is still just $370,000. BEST OF THE BEST 2021 Money reveals the Best Feature-Packed Online Broker for 2021. This is the 14th consecutive year CommSec has won this award, setting the bar for user experience, support and a slew of other features that assist investors of all levels. Trading starts from $19.95 for Aussie shares for transaction values over $1000 MONEY REVEALS THE BEST AUSTRALIAN SHARE FUND FOR 2021 By Money Team. January 27, 2021. 0. Domestic shares have always formed the backbone of Australian investment portfolios. Hyperion's Australian Growth Companies Fund has blitzed the field this year, boasting a one-year return of 18.64% (to June 30), a three-year return of 12.45%pa and a five year return of 12.52%pa. SIX SIMPLE HACKS FOR PAYING OFF YOUR MORTGAGE QUICKER Rounding up your payments is an easy way to start paying off your mortgage quicker, start small and increase over time as you get more comfortable with your savings. 4. Review your rate regularly. Better you enjoy the savings than pay too much interest and speak with your broker regularly to see who is offering the best rate. 5. WHY YOU SHOULDN'T PUT IT ALL IN SUPER For decades the investment mantra from financial planners for high income earners has been to put all their clients' money in super. Thanks to the tax benefits it was the most generous of all savings vehicles. But this straightforward, single-minded strategy needs a rethink. Rice Warner says a retiree over the super preservation agewould now
WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
MONEY REVEALS THE BEST PENSION FUND FROM THE BEST OF THE Cbus has retained pole position as the 2021 Best Pension Fund, for the second year running. It has been one of the most consistent pension funds, and is a lead performer across multiple asset classes. While Cbus traditionally serves the construction sector, following its upcoming merger with Media Super in 2021 other groups had better watchout.
10 SUPER FUNDS THAT PROTECT THE ENVIRONMENT (AND YOUR For example, AustralianSuper's Socially Aware option is the best performer over 10 years in the balanced sector. WA Super's Sustainable Future option is the sixth best balanced option. THE BEST INVESTMENT FOR YOUR CHILDREN AND GRANDCHILDREN Marcus Padley (MAppFin, LLB, MSAA) is the author of the Marcus Today share market newsletter. He is an author, speaker and a regular on ABC TV and radio. Marcus has been advising institutional clients and a private client base for more than 32 years. HOW TO START BUYING SHARES FOR YOUR KIDS OR GRANDKIDS A former Chartered Accountant, Nicola Field has been a regular contributor to Money for 20 years, and writes on personal finance issues for some of Australia's largest financial institutions. She is the author of Investing in Your Child's Future and Baby or Bust, and has collaborated with Paul Clitheroe on a variety of projects including radio scripts, newspaper columns, and several books. TOP FIVE PLACES AROUND AUSTRALIA TO BUY PROPERTY IN 2021AUTHOR: TERRYRYDER
The seaside towns about 80km south of central Adelaide are rising as people seek affordable lifestyle areas. Victor Harbor, Encounter Bay, Port Elliot, Hayborough and McCracken all entered 2021 with sales activity and prices rising. The median house price for Victor Harbor rose 10% in 2020 but is still just $370,000. BEST OF THE BEST 2021 Money reveals the Best Feature-Packed Online Broker for 2021. This is the 14th consecutive year CommSec has won this award, setting the bar for user experience, support and a slew of other features that assist investors of all levels. Trading starts from $19.95 for Aussie shares for transaction values over $1000 MONEY REVEALS THE BEST AUSTRALIAN SHARE FUND FOR 2021 By Money Team. January 27, 2021. 0. Domestic shares have always formed the backbone of Australian investment portfolios. Hyperion's Australian Growth Companies Fund has blitzed the field this year, boasting a one-year return of 18.64% (to June 30), a three-year return of 12.45%pa and a five year return of 12.52%pa. SIX SIMPLE HACKS FOR PAYING OFF YOUR MORTGAGE QUICKER Rounding up your payments is an easy way to start paying off your mortgage quicker, start small and increase over time as you get more comfortable with your savings. 4. Review your rate regularly. Better you enjoy the savings than pay too much interest and speak with your broker regularly to see who is offering the best rate. 5. WHY YOU SHOULDN'T PUT IT ALL IN SUPER For decades the investment mantra from financial planners for high income earners has been to put all their clients' money in super. Thanks to the tax benefits it was the most generous of all savings vehicles. But this straightforward, single-minded strategy needs a rethink. Rice Warner says a retiree over the super preservation agewould now
WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
MONEY REVEALS THE BEST PENSION FUND FROM THE BEST OF THE Cbus has retained pole position as the 2021 Best Pension Fund, for the second year running. It has been one of the most consistent pension funds, and is a lead performer across multiple asset classes. While Cbus traditionally serves the construction sector, following its upcoming merger with Media Super in 2021 other groups had better watchout.
10 SUPER FUNDS THAT PROTECT THE ENVIRONMENT (AND YOUR For example, AustralianSuper's Socially Aware option is the best performer over 10 years in the balanced sector. WA Super's Sustainable Future option is the sixth best balanced option. THE BEST INVESTMENT FOR YOUR CHILDREN AND GRANDCHILDREN Marcus Padley (MAppFin, LLB, MSAA) is the author of the Marcus Today share market newsletter. He is an author, speaker and a regular on ABC TV and radio. Marcus has been advising institutional clients and a private client base for more than 32 years. HOW TO START BUYING SHARES FOR YOUR KIDS OR GRANDKIDS A former Chartered Accountant, Nicola Field has been a regular contributor to Money for 20 years, and writes on personal finance issues for some of Australia's largest financial institutions. She is the author of Investing in Your Child's Future and Baby or Bust, and has collaborated with Paul Clitheroe on a variety of projects including radio scripts, newspaper columns, and several books. SUBSCRIBE | MONEY MAGAZINE Money magazine is Australia's longest-running and most-read personal finance magazine. Easy-to-understand financial news, advice, reviewsand awards.
WHAT YOUR HOUSE COULD BE WORTH AT THE END OF THIS RECORD 1 day ago · To clearly understand the impact across the year, Finder adjusted CoreLogic's Home Property Value Index to start 2021 at a value of 100. As depicted in the chart below, Sydney has seen a 12 percentage point increase in property prices in the first five monthsof 2021 alone.
THE GOOD SUPER GUIDE The Good Super Guide. Please select. Dr. Mr Mrs Ms. Tick here if you would like to subscribe to Money magazine's weekly newsletters. What's this? This is the three-digit number printed on the back of your card. For American Express, it's the 4-digit number on the front: WHEN YOU SHOULD INVEST IN FURTHER EDUCATION FOR YOURSELF A former Chartered Accountant, Nicola Field has been a regular contributor to Money for 20 years, and writes on personal finance issues for some of Australia's largest financial institutions. She is the author of Investing in Your Child's Future and Baby or Bust, and has collaborated with Paul Clitheroe on a variety of projects including radio scripts, newspaper columns, and several books. ASK PAUL: WHEN WILL PROPERTY PRICES STOP GOING UP? 1 day ago · Paul Clitheroe AM is founder and editorial adviser of Money magazine. He is one of Australia's leading financial voices, responsible for bringing financial insight to Australians through personal finance books, the television show Money, radio, and most notably this publication, which he established in 1999.Paul is the chair of the Australian Government Financial Literacy Board and is HOW TO STAY WARM AND KEEP YOUR ENERGY BILLS DOWN THIS 21 hours ago · Also, there are expensive measures such as double-glazing windows. I recently got a $40,000 quote to double glaze my back windows which equates to many years of power bills, so I am sticking to these 10 steps to stop my power bills from blowing out. 10 SUPER FUNDS THAT PROTECT THE ENVIRONMENT (AND YOUR For example, AustralianSuper's Socially Aware option is the best performer over 10 years in the balanced sector. WA Super's Sustainable Future option is the sixth best balanced option. ASIC BANS FORMER ADVISER GAVIN FINEFF OVER $5 MILLION 1 day ago · ASIC has permanently banned former Sentinel Wealth financial adviser Gavin Fineff, after he was charged with misappropriating between $3.3 and $5 million of client money. FIVE THINGS PROPERTY INVESTORS CAN DO TO GET THOUSANDS 21 hours ago · There are five easy things property investors can do in June that can add thousands to their tax return come July. These simple tasks could be undertaken in the next few weeks for an almostimmediate payback.
TIPS FOR MANAGING YOUR SUPER IN THE PENSION PHASE It may come as a shock to realise that two-thirds of all fees you will ever pay as a super member through your lifetime will be paid after you've retired. "That's when you have the maximum amount of money and it means even a 1% fee, which sounds low, is a lot of money," says Dunnin. "A 1% fee can amount to $3000, $4000 or $5000 a year. SUBSCRIBE | MONEY MAGAZINE Money magazine is Australia's longest-running and most-read personal finance magazine. Easy-to-understand financial news, advice, reviewsand awards.
WHY YOU SHOULDN'T PUT IT ALL IN SUPER For decades the investment mantra from financial planners for high income earners has been to put all their clients' money in super. Thanks to the tax benefits it was the most generous of all savings vehicles. But this straightforward, single-minded strategy needs a rethink. Rice Warner says a retiree over the super preservation agewould now
ADVERTISE WITH MONEY MAGAZINE Advertise with Money magazine. personal finance magazine. helping readers earn more, save more and make the most of their investments. Common sense, credible and easy to understand financial information, insights and information you can trust - this is what Money magazine has been delivering for more than 20 years. BEST AUSTRALIAN SHARE FUNDS: BEST OF THE BEST 2020 In the 12 months ending June 2019, Australian large-cap equity funds recorded an average return of 6.3%, well below the gain of 11.6% by the S&P/ASX 200, according to the SPIVA Australian scorecard, compiled by S&P Dow Jones. Of the funds in this category, 93.2% and 96.3% failed to outperform the benchmark, the S&P/ASX 200, on absolute andrisk
WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
THE BEST INVESTMENT FOR YOUR CHILDREN AND GRANDCHILDRENBEST WAY TO INVEST MONEY FOR KIDSHOW CAN KIDS INVEST MONEYHOW TO INVEST FOR KIDSHOW TO INVEST KIDS MONEYHOW TO INVEST KIDS MONEYINVEST FOR KIDSCHICAGO
Marcus Padley (MAppFin, LLB, MSAA) is the author of the Marcus Today share market newsletter. He is an author, speaker and a regular on ABC TV and radio. Marcus has been advising institutional clients and a private client base for more than 32 years. UNDERSTANDING YOUR RIGHTS IF YOUR NEW APARTMENT IS Not a lot is the short answer. In NSW, consumer protections were watered down in 2012, when the warranty period for major defects was reduced from seven to six years. It's just two years for other defects. And the Home Building Compensation scheme doesn't cover buildings over three storeys. In 2018, a strata building bond of 2%was introduced
ASK PAUL: I BOUGHT SHARES FOR MY KIDS Paul Clitheroe AM is founder and editorial adviser of Money magazine. He is one of Australia's leading financial voices, responsible for bringing financial insight to Australians through personal finance books, the television show Money, radio, and most notably this publication, which he established in 1999.Paul is the chair of the Australian Government Financial Literacy Board and is ARE YOU ENTITLED TO A REFUND FOR A JUNK INSURANCE POLICYREFUND FROM CAR INSURANCE COMPANYREFUND FROM INSURANCE COMPANYCONSUMER CREDIT INSURANCE ASSOCIATIONTRADE CREDIT INSURANCE AUSTRALIAAMERICAN FAMILY CAR INSURANCE REFUNDARE INSURANCE COMPANIES GIVING REFUNDS Consumer Action's website has assisted people to claim more than $700,000 in refunds on add-on insurance (and extended car warranties) which they did not need or want. You could be one of thousands of people who can get a refund on junk insurance. To ask for a refund, head to DemandARefund.com. ASK PAUL: DO WE SELL OUR INVESTMENT PROPERTIES TO FUND OUR By Paul Clitheroe. Q. I am 64, my wife is 63 and we intend to retire in two years. We own our house and have two investment properties yielding $750 a week. We have combined super of $630,000 and do not have any outstanding debts. We have $50,000 in shares and $50,000 in savings. We are both employed and our combined income is $160,000before tax.
SUBSCRIBE | MONEY MAGAZINE Money magazine is Australia's longest-running and most-read personal finance magazine. Easy-to-understand financial news, advice, reviewsand awards.
WHY YOU SHOULDN'T PUT IT ALL IN SUPER For decades the investment mantra from financial planners for high income earners has been to put all their clients' money in super. Thanks to the tax benefits it was the most generous of all savings vehicles. But this straightforward, single-minded strategy needs a rethink. Rice Warner says a retiree over the super preservation agewould now
ADVERTISE WITH MONEY MAGAZINE Advertise with Money magazine. personal finance magazine. helping readers earn more, save more and make the most of their investments. Common sense, credible and easy to understand financial information, insights and information you can trust - this is what Money magazine has been delivering for more than 20 years. BEST AUSTRALIAN SHARE FUNDS: BEST OF THE BEST 2020 In the 12 months ending June 2019, Australian large-cap equity funds recorded an average return of 6.3%, well below the gain of 11.6% by the S&P/ASX 200, according to the SPIVA Australian scorecard, compiled by S&P Dow Jones. Of the funds in this category, 93.2% and 96.3% failed to outperform the benchmark, the S&P/ASX 200, on absolute andrisk
WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
THE BEST INVESTMENT FOR YOUR CHILDREN AND GRANDCHILDRENBEST WAY TO INVEST MONEY FOR KIDSHOW CAN KIDS INVEST MONEYHOW TO INVEST FOR KIDSHOW TO INVEST KIDS MONEYHOW TO INVEST KIDS MONEYINVEST FOR KIDSCHICAGO
Marcus Padley (MAppFin, LLB, MSAA) is the author of the Marcus Today share market newsletter. He is an author, speaker and a regular on ABC TV and radio. Marcus has been advising institutional clients and a private client base for more than 32 years. UNDERSTANDING YOUR RIGHTS IF YOUR NEW APARTMENT IS Not a lot is the short answer. In NSW, consumer protections were watered down in 2012, when the warranty period for major defects was reduced from seven to six years. It's just two years for other defects. And the Home Building Compensation scheme doesn't cover buildings over three storeys. In 2018, a strata building bond of 2%was introduced
ASK PAUL: I BOUGHT SHARES FOR MY KIDS Paul Clitheroe AM is founder and editorial adviser of Money magazine. He is one of Australia's leading financial voices, responsible for bringing financial insight to Australians through personal finance books, the television show Money, radio, and most notably this publication, which he established in 1999.Paul is the chair of the Australian Government Financial Literacy Board and is ARE YOU ENTITLED TO A REFUND FOR A JUNK INSURANCE POLICYREFUND FROM CAR INSURANCE COMPANYREFUND FROM INSURANCE COMPANYCONSUMER CREDIT INSURANCE ASSOCIATIONTRADE CREDIT INSURANCE AUSTRALIAAMERICAN FAMILY CAR INSURANCE REFUNDARE INSURANCE COMPANIES GIVING REFUNDS Consumer Action's website has assisted people to claim more than $700,000 in refunds on add-on insurance (and extended car warranties) which they did not need or want. You could be one of thousands of people who can get a refund on junk insurance. To ask for a refund, head to DemandARefund.com. ASK PAUL: DO WE SELL OUR INVESTMENT PROPERTIES TO FUND OUR By Paul Clitheroe. Q. I am 64, my wife is 63 and we intend to retire in two years. We own our house and have two investment properties yielding $750 a week. We have combined super of $630,000 and do not have any outstanding debts. We have $50,000 in shares and $50,000 in savings. We are both employed and our combined income is $160,000before tax.
WHY BANK SHAREHOLDERS ARE SET TO REAP MORE IN DIVIDENDS Recognising the banks' healthy capital positions, APRA in December relaxed its guidance on banks' capping shareholder payouts at 50% of profits, a sharp turnaround from its position in April 2020 when it had asked banks to "seriously consider" suspending dividend payments as COVID-19 hit and lockdowns were enforced. WHEN YOU SHOULD INVEST IN FURTHER EDUCATION FOR YOURSELF A former Chartered Accountant, Nicola Field has been a regular contributor to Money for 20 years, and writes on personal finance issues for some of Australia's largest financial institutions. She is the author of Investing in Your Child's Future and Baby or Bust, and has collaborated with Paul Clitheroe on a variety of projects including radio scripts, newspaper columns, and several books. MONEY REVEALS THE BEST AUSTRALIAN SHARE FUND FOR 2021 By Money Team. January 27, 2021. 0. Domestic shares have always formed the backbone of Australian investment portfolios. Hyperion's Australian Growth Companies Fund has blitzed the field this year, boasting a one-year return of 18.64% (to June 30), a three-year return of 12.45%pa and a five year return of 12.52%pa. ADVERTISE WITH MONEY MAGAZINE Advertise with Money magazine. personal finance magazine. helping readers earn more, save more and make the most of their investments. Common sense, credible and easy to understand financial information, insights and information you can trust - this is what Money magazine has been delivering for more than 20 years. BEST AUSTRALIAN SHARE FUNDS: BEST OF THE BEST 2020 In the 12 months ending June 2019, Australian large-cap equity funds recorded an average return of 6.3%, well below the gain of 11.6% by the S&P/ASX 200, according to the SPIVA Australian scorecard, compiled by S&P Dow Jones. Of the funds in this category, 93.2% and 96.3% failed to outperform the benchmark, the S&P/ASX 200, on absolute andrisk
DUSK SHARES COULD BE A SWEET-SMELLING OPPORTUNITY Dusk (ASX:DSK) is a retailer of candles and other home fragrance products. They design their own products and sell them through their own network of stores as well as online. SIX SIMPLE HACKS FOR PAYING OFF YOUR MORTGAGE QUICKER Rounding up your payments is an easy way to start paying off your mortgage quicker, start small and increase over time as you get more comfortable with your savings. 4. Review your rate regularly. Better you enjoy the savings than pay too much interest and speak with your broker regularly to see who is offering the best rate. 5. SHOULD YOU BUY NOW AND PAY LMI OR KEEP SAVING A DEPOSIT If your property doubles from $500,000 to $1 million it doesn't make a lot of difference whether you owe $500,000 or $520,000 in 10 years. Similarly, if you had to save only a 5% deposit and 5% of costs, it would allow you to buy at a price of $613,000 in three years instead of 10. By year 10 you might have made $371,000. TURN YOUR SET INTO A SMART-TV What is it? Asus Nexus Player How much? $129 Pros: After ditching its short-lived Google TV platform, Google released Android TV, built into some smart TV sets (notably from Sony) and also available in standalone boxes such as Asus's Nexus Player. This is a more powerful unit than Chromecast, allowing you to run native apps and games in addition to casting content from elsewhere. WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
SUBSCRIBE | MONEY MAGAZINE Money magazine is Australia's longest-running and most-read personal finance magazine. Easy-to-understand financial news, advice, reviewsand awards.
WHY YOU SHOULDN'T PUT IT ALL IN SUPER For decades the investment mantra from financial planners for high income earners has been to put all their clients' money in super. Thanks to the tax benefits it was the most generous of all savings vehicles. But this straightforward, single-minded strategy needs a rethink. Rice Warner says a retiree over the super preservation agewould now
ADVERTISE WITH MONEY MAGAZINE Advertise with Money magazine. personal finance magazine. helping readers earn more, save more and make the most of their investments. Common sense, credible and easy to understand financial information, insights and information you can trust - this is what Money magazine has been delivering for more than 20 years. BEST AUSTRALIAN SHARE FUNDS: BEST OF THE BEST 2020 In the 12 months ending June 2019, Australian large-cap equity funds recorded an average return of 6.3%, well below the gain of 11.6% by the S&P/ASX 200, according to the SPIVA Australian scorecard, compiled by S&P Dow Jones. Of the funds in this category, 93.2% and 96.3% failed to outperform the benchmark, the S&P/ASX 200, on absolute andrisk
WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
THE BEST INVESTMENT FOR YOUR CHILDREN AND GRANDCHILDRENBEST WAY TO INVEST MONEY FOR KIDSHOW CAN KIDS INVEST MONEYHOW TO INVEST FOR KIDSHOW TO INVEST KIDS MONEYHOW TO INVEST KIDS MONEYINVEST FOR KIDSCHICAGO
Marcus Padley (MAppFin, LLB, MSAA) is the author of the Marcus Today share market newsletter. He is an author, speaker and a regular on ABC TV and radio. Marcus has been advising institutional clients and a private client base for more than 32 years. UNDERSTANDING YOUR RIGHTS IF YOUR NEW APARTMENT IS Not a lot is the short answer. In NSW, consumer protections were watered down in 2012, when the warranty period for major defects was reduced from seven to six years. It's just two years for other defects. And the Home Building Compensation scheme doesn't cover buildings over three storeys. In 2018, a strata building bond of 2%was introduced
ASK PAUL: I BOUGHT SHARES FOR MY KIDS Paul Clitheroe AM is founder and editorial adviser of Money magazine. He is one of Australia's leading financial voices, responsible for bringing financial insight to Australians through personal finance books, the television show Money, radio, and most notably this publication, which he established in 1999.Paul is the chair of the Australian Government Financial Literacy Board and is ARE YOU ENTITLED TO A REFUND FOR A JUNK INSURANCE POLICYREFUND FROM CAR INSURANCE COMPANYREFUND FROM INSURANCE COMPANYCONSUMER CREDIT INSURANCE ASSOCIATIONTRADE CREDIT INSURANCE AUSTRALIAAMERICAN FAMILY CAR INSURANCE REFUNDARE INSURANCE COMPANIES GIVING REFUNDS Consumer Action's website has assisted people to claim more than $700,000 in refunds on add-on insurance (and extended car warranties) which they did not need or want. You could be one of thousands of people who can get a refund on junk insurance. To ask for a refund, head to DemandARefund.com. ASK PAUL: DO WE SELL OUR INVESTMENT PROPERTIES TO FUND OUR By Paul Clitheroe. Q. I am 64, my wife is 63 and we intend to retire in two years. We own our house and have two investment properties yielding $750 a week. We have combined super of $630,000 and do not have any outstanding debts. We have $50,000 in shares and $50,000 in savings. We are both employed and our combined income is $160,000before tax.
SUBSCRIBE | MONEY MAGAZINE Money magazine is Australia's longest-running and most-read personal finance magazine. Easy-to-understand financial news, advice, reviewsand awards.
WHY YOU SHOULDN'T PUT IT ALL IN SUPER For decades the investment mantra from financial planners for high income earners has been to put all their clients' money in super. Thanks to the tax benefits it was the most generous of all savings vehicles. But this straightforward, single-minded strategy needs a rethink. Rice Warner says a retiree over the super preservation agewould now
ADVERTISE WITH MONEY MAGAZINE Advertise with Money magazine. personal finance magazine. helping readers earn more, save more and make the most of their investments. Common sense, credible and easy to understand financial information, insights and information you can trust - this is what Money magazine has been delivering for more than 20 years. BEST AUSTRALIAN SHARE FUNDS: BEST OF THE BEST 2020 In the 12 months ending June 2019, Australian large-cap equity funds recorded an average return of 6.3%, well below the gain of 11.6% by the S&P/ASX 200, according to the SPIVA Australian scorecard, compiled by S&P Dow Jones. Of the funds in this category, 93.2% and 96.3% failed to outperform the benchmark, the S&P/ASX 200, on absolute andrisk
WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
THE BEST INVESTMENT FOR YOUR CHILDREN AND GRANDCHILDRENBEST WAY TO INVEST MONEY FOR KIDSHOW CAN KIDS INVEST MONEYHOW TO INVEST FOR KIDSHOW TO INVEST KIDS MONEYHOW TO INVEST KIDS MONEYINVEST FOR KIDSCHICAGO
Marcus Padley (MAppFin, LLB, MSAA) is the author of the Marcus Today share market newsletter. He is an author, speaker and a regular on ABC TV and radio. Marcus has been advising institutional clients and a private client base for more than 32 years. UNDERSTANDING YOUR RIGHTS IF YOUR NEW APARTMENT IS Not a lot is the short answer. In NSW, consumer protections were watered down in 2012, when the warranty period for major defects was reduced from seven to six years. It's just two years for other defects. And the Home Building Compensation scheme doesn't cover buildings over three storeys. In 2018, a strata building bond of 2%was introduced
ASK PAUL: I BOUGHT SHARES FOR MY KIDS Paul Clitheroe AM is founder and editorial adviser of Money magazine. He is one of Australia's leading financial voices, responsible for bringing financial insight to Australians through personal finance books, the television show Money, radio, and most notably this publication, which he established in 1999.Paul is the chair of the Australian Government Financial Literacy Board and is ARE YOU ENTITLED TO A REFUND FOR A JUNK INSURANCE POLICYREFUND FROM CAR INSURANCE COMPANYREFUND FROM INSURANCE COMPANYCONSUMER CREDIT INSURANCE ASSOCIATIONTRADE CREDIT INSURANCE AUSTRALIAAMERICAN FAMILY CAR INSURANCE REFUNDARE INSURANCE COMPANIES GIVING REFUNDS Consumer Action's website has assisted people to claim more than $700,000 in refunds on add-on insurance (and extended car warranties) which they did not need or want. You could be one of thousands of people who can get a refund on junk insurance. To ask for a refund, head to DemandARefund.com. ASK PAUL: DO WE SELL OUR INVESTMENT PROPERTIES TO FUND OUR By Paul Clitheroe. Q. I am 64, my wife is 63 and we intend to retire in two years. We own our house and have two investment properties yielding $750 a week. We have combined super of $630,000 and do not have any outstanding debts. We have $50,000 in shares and $50,000 in savings. We are both employed and our combined income is $160,000before tax.
WHY BANK SHAREHOLDERS ARE SET TO REAP MORE IN DIVIDENDS Recognising the banks' healthy capital positions, APRA in December relaxed its guidance on banks' capping shareholder payouts at 50% of profits, a sharp turnaround from its position in April 2020 when it had asked banks to "seriously consider" suspending dividend payments as COVID-19 hit and lockdowns were enforced. WHEN YOU SHOULD INVEST IN FURTHER EDUCATION FOR YOURSELF A former Chartered Accountant, Nicola Field has been a regular contributor to Money for 20 years, and writes on personal finance issues for some of Australia's largest financial institutions. She is the author of Investing in Your Child's Future and Baby or Bust, and has collaborated with Paul Clitheroe on a variety of projects including radio scripts, newspaper columns, and several books. MONEY REVEALS THE BEST AUSTRALIAN SHARE FUND FOR 2021 By Money Team. January 27, 2021. 0. Domestic shares have always formed the backbone of Australian investment portfolios. Hyperion's Australian Growth Companies Fund has blitzed the field this year, boasting a one-year return of 18.64% (to June 30), a three-year return of 12.45%pa and a five year return of 12.52%pa. ADVERTISE WITH MONEY MAGAZINE Advertise with Money magazine. personal finance magazine. helping readers earn more, save more and make the most of their investments. Common sense, credible and easy to understand financial information, insights and information you can trust - this is what Money magazine has been delivering for more than 20 years. BEST AUSTRALIAN SHARE FUNDS: BEST OF THE BEST 2020 In the 12 months ending June 2019, Australian large-cap equity funds recorded an average return of 6.3%, well below the gain of 11.6% by the S&P/ASX 200, according to the SPIVA Australian scorecard, compiled by S&P Dow Jones. Of the funds in this category, 93.2% and 96.3% failed to outperform the benchmark, the S&P/ASX 200, on absolute andrisk
DUSK SHARES COULD BE A SWEET-SMELLING OPPORTUNITY Dusk (ASX:DSK) is a retailer of candles and other home fragrance products. They design their own products and sell them through their own network of stores as well as online. SIX SIMPLE HACKS FOR PAYING OFF YOUR MORTGAGE QUICKER Rounding up your payments is an easy way to start paying off your mortgage quicker, start small and increase over time as you get more comfortable with your savings. 4. Review your rate regularly. Better you enjoy the savings than pay too much interest and speak with your broker regularly to see who is offering the best rate. 5. SHOULD YOU BUY NOW AND PAY LMI OR KEEP SAVING A DEPOSIT If your property doubles from $500,000 to $1 million it doesn't make a lot of difference whether you owe $500,000 or $520,000 in 10 years. Similarly, if you had to save only a 5% deposit and 5% of costs, it would allow you to buy at a price of $613,000 in three years instead of 10. By year 10 you might have made $371,000. TURN YOUR SET INTO A SMART-TV What is it? Asus Nexus Player How much? $129 Pros: After ditching its short-lived Google TV platform, Google released Android TV, built into some smart TV sets (notably from Sony) and also available in standalone boxes such as Asus's Nexus Player. This is a more powerful unit than Chromecast, allowing you to run native apps and games in addition to casting content from elsewhere. WHAT TO DO WITH YOUR SUPERANNUATION WHEN YOU RETIRE Benefits of a bucket strategy. Rice Warner gives the example of a member who retires at 65 with $500,000 and allocates a year's drawdowns to cash, then 50% in a balanced portfolio to cover the next 10 years and 50% in high growth for the period thereafter. Then there is a market crash. The correction results in a -15% return on thehigh-growth
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