Exchange-traded funds have quickly gained a reputation as the most important financial product in the last 25 years among advisers and institutional investors alike.
“We want to ensure our clients are invested in assets that they understand aren’t engineered or overly complex, and most importantly won’t blow up.”
Legislation passed in February 2019 has led to superannuation funds sending out letters to those with accounts which hold valuable personal insurance and have not received a contribution to the fund since October 2018.
Mindful spending doesn’t need to be onerous nor does it need to be approached from a place of frugality. It’s all about being aware of what you spend your money on and directing it towards your future rather than just immediate consumption.
For me, retirement is not a personal goal. But eventually, I want to be in a position where I can make work optional.
This week at Evalesco, we were fully expecting a Labor party led by Bill Shorten to be heading to the lodge, as was the broader community and investment markets. That meant for a considerable period of time we were mindful of what life after the election meant for you and your financial plans, as the proposed changes were very significant.
I recently had the privilege of joining the AIA Vitality New Zealand team in Auckland and Hamilton to spread the message about the value advisers can bring to conversations about health and wellbeing, as well as the financial aspects of our client's lives.
The Royal Commission uncovered behaviours we were not aware of and has firmly put institutions on notice that these must stop. The changes within financial advice are necessary to make sure large bank aligned licensees are held to the same standards as the privately-owned groups.
Thanks to a change in legislation, most working Australian’s can now claim a tax deduction for personal contributions to superannuation. This is really exciting for employed individuals as previously you could only add to super via employer contributions or salary sacrificed amounts.
If someone asked you to picture technology changing (or rewiring) someone's brain, what would you see? Chances are the first thing that you'd come up with would be sci-fi-style mind control beams. Perhaps you would see robotic neurosurgeons at work (already a thing actually). Or maybe cyborg like neural enhancements!