Understanding Series
Our Understanding Series is designed to help you get the most from financial advice. Covering a range of fundamental concepts, these guides provide some additional to help you understand the financial planning concepts discussed in your Statement of Advice.
Debt Management Strategies
Debt Management
Redraw Facility
Debt Recycling
Costs and Risks of Reverse Mortgages
Retirement Income Strategies
Account Based Pensions
Transition to Retirement Pensions
Term Allocated Pensions
Annuities
Transfer Balance Cap
Social Security Strategies
Age Pension
Aged Care
Disability Support Pension
DVA Service Pension
Gifting
Insurance bond in a private trust
Newstart Allowance
Pension Income and Assets Tests – Department of Human Services
Strategies to increase Department of Human Services or DVA entitlements
Waiting periods
Insurance Strategies
Income Protection Insurance
Term Life Insurance
Total and Permanent Disablement – TPD – Insurance
Trauma or Critical Illness Insurance
Superannuation Strategies
Cash out and re-contribute to super
Co-contribution
Consolidate superannuation
Downsizer Super Contribution
First home super saver scheme
Non-concessional contributions
Personal deductible contributions
Salary sacrifice
Splitting superannuation contributions
Spouse contributions
Superannuation
Estate Planning
Advance Care Directive
Family Trusts
Powers of Attorney
Special Disability Trust
Superannuation death benefits
Testamentary Trusts
Wills
Investment Concepts
Asset Allocation
Child savings plan
Costs and risks of derivatives
Costs and risks of direct property
Dollar cost averaging
Insurance Investment Bonds
Investment risks
Managed funds
Managed Discretionary Accounts (MDA)
Separately Managed Account (SMA)
Set and maintain a budget
Tax
Small business CGT concessions
Redundancy payments
Salary packaging
Tax considerations for non-residents
Taxation
Business Insurance Strategies
Business Continuation Insurance
Business Expenses Insurance
Business Succession Agreement and Funding
Gearing
Costs and risks of gearing
Costs and risks of gearing into superannuation
Costs and risks of margin lending
Self Managed Super
Commencing an SMSF pension
Costs and risks of borrowing by self managed superannuation funds (SMSF)
Key SMSF investment rules
Limited Recourse Loan
Self managed superannuation funds
The SMSF Investment Strategy