Compound Interest – the most powerful force in the universe!

When saving for a long-term goal, such as retirement, is it better to save small amounts for a long time, perhaps saving when we can ill-afford to, or waiting until later in life and putting larger amounts aside when it is more affordable? This question has plagued society for decades and ...

Superannuation death benefits – do you know where yours will go?

Unfortunately, this blog is not a happy one. But it covers a very important subject. Over recent weeks I have had what seems an abnormal number of questions from advisers regarding their clients who have recently lost a loved one or have been diagnosed with a terminal illness. Even at our recent ...

When modest doesn’t cut it

Regular readers of our blog will be familiar with the work that the Association of Superannuation Funds of Australia (ASFA) does in producing quarterly estimates of just how much it cost to live in retirement. Tealey and I usually sit glued to our computer screens following the end of each quarter, ...

I wish my husband never retired

This is a true story. Only the personal details have been redacted for privacy reasons. Jack and Diane have been married for forty-three years. Jack is seventy-one and Diane sixty-eight. They have three children and seven grandchildren. Diane works four days a week in a local business - just because she enjoys ...

Protecting your super from organised crime

The Australian Crime Commission recently released its report for 2015. And what an interesting read it is… While the greater majority of Australians have absolutely nothing to do with organised crime, it lives on our doorstep and in one way or another, everyday folk have been touched by it, or will ...

 

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