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Bonds

Bonds are investments made with a single (or regular premium) payment and have a nominal 10 year term. The range of bonds includes investment bonds, friendly society bonds and insurance bonds which have access to a range of investment options. While bonds are most suitable for  accumulating money, this type of investment does not provide […]

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Savings and investing – the fundamentals

Many Australians delay taking control of their finances because they don’t have time, they find it too daunting or they may just not know where to start. The reality is that the sooner you take charge, the sooner you can start working towards achieving better results, especially in the long term.

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Understanding gearing

Gearing is simply another term for borrowing to invest. While we may not enjoy being in debt, not all debt is bad. In fact, it can be a powerful tool used to build wealth and to enhance your investment performance.

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Dollar cost averaging explained

Dollar cost averaging is simply the term used to describe the strategy of making regular incremental investments over a period of time as opposed to a one-off lump sum investment.

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Investment platforms

Investing through a platform allows you to savour a smorgasbord of investment options, without being inundated by the administrative tasks associated with each investment.

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Investment return and risk

Choosing where to invest your money is a difficult decision and will depend on many factors, including your overall investment objectives, risk profile and the amount of time you have to invest. It’s therefore best to seek the advice of a qualified financial adviser who can help define your personal situation and identify the appropriate asset […]

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Model portfolios

A model portfolio will provide you with a combination of managed investments which are professionally researched and which use the process of blending various asset classes, investment managers and investment styles to achieve diversification. Our model portfolios are developed to suit a range of different investment profiles to help match your portfolio to your needs and […]

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Managing debt

Are your purchases costing you more than you expected? Managing your finances to meet your day-to-day requirements as well as your long-term goals can be a complex task.

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Choosing the right super fund

It’s essential that you take an interest in how your superannuation savings are invested as it is likely to be one of the biggest assets you will own. The decisions you make now about your super fund will affect the amount you have in retirement – in other words, your retirement lifestyle depends on it!

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What is a binding death benefit nomination

Superannuation is not an estate asset; on death it does not automatically flow to the estate of the deceased. The trustee of the super fund will generally pay a death benefit in accordance with the governing rules of the fund and relevant law. A binding death benefit nomination is a way to override this trustee […]

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