Monthly Musings

In the May edition we will provide:

our update on the markets for May,
a new Episode 20 of 3 Minute Tech focussing on the very relevant “End of Financial Year Planning”,
a paper in Focal Point which provides some considerations with respect to a Superannuation to-do list heading into June 30,
provide a short video insight into our experienced Private Wealth Adviser, Brad Gordon, and,
suggest an interesting book to read.

End of Financial Year (EOFY)

The End of Financial Year (EOFY) is once again fast approaching. This means it is time to dust off the superannuation to-do list ahead of the 30th of June 2022. Given the inevitable June end rush, as well as processing and cut-off times, it is prudent to review actions in advance of deadlines. The following outlines some of the areas that may be applicable for consideration and review.

Superannuation Guarantee

Super Guarantee (SG) is a legislated obligation for employers to provide superannuation support to Australian workers. The required minimum super contribution is set by the Government and presently sits at 10% of ordinary times earnings. SG contributions are classified as employer contributions, and these amounts count towards the employee’s concessional contribution cap (i.e. $27,500 for the 2021/22 financial year – but this cap may be higher if eligible for catch-up contributions). We detail some important and upcoming changes to the SG rules.

Monthly Musings

Welcome to the March edition of our Monthly Musings.

In this latest update we will

provide our market update for March,
provide a brand new episode of popular 3 Minute Tech titled “Super’s Minimum Pension Requirements”
deliver a paper in “Focal Point” on the Federal Budget 2022-2023,
provide a short video insight into our experienced Private Wealth Adviser, Andrew Fry, and
suggest an interesting book to read.

As always, we hope you enjoy.

Federal Budget 2022-2023

With a Federal Election looming, the Government has unveiled a budget to assist millions of Australians facing rising cost of living pressures. The measures announced include a cut to fuel excise, cash payments for pensioners and more generous tax concessions for low-and middle-income earners. Tied in with these temporary measures, the Government is also expecting to see a moderation in inflation as international factors and supply chains evolve.

Monthly Musings

Welcome to the February edition of our Monthly Musings.

In this latest update we will

provide our market update for February,
provide a flashback of popular Episode 1 of 3 Minute Tech “Who gets my Super when I die?”,
deliver a paper in “Focal Point” on Minimum Pension Payments,
provide a short video insight into our great Head of Adviser Support, Karen Kernaghan, and
suggest an interesting book to read.

As always, we hope you enjoy.

Monthly Musings

In this latest update we will:

look at the market movements for the month of November,
release Episode 15 of our short video series 3 Minute Tech where we will continue our coverage of succession planning whether it be in business, farming or family,
use our Focal Point section to highlight considerations around operating an SMSF with up to 6 members,
provide a short video insight into one of our experienced Private Wealth Advisers, Brad Gordon, and,
suggest a good podcast to listen to and an interesting book to read.

Monthly Musings

In this latest update we will:

look at the market movements for the month of October,
release Episode 14 of our short video series 3 Minute Tech. In this Episode we will cover succession planning whether it be in business, farming or family,
dig into the First Home Super Saver Scheme in our Focal Point section to outline some of the important rules and considerations,
provide a short video insight into one of our experienced Private Wealth Advisers and,
suggest a good podcast to listen to and an interesting book to read.

August Monthly Musings

In this edition we will:

provide some observations on the market movements for August,
release Episode 12 of our short video series 3 Minute Tech. This episode is the second part of a three part segment on Estate Planning, where we discuss “Enduring Powers of Attorney”,
look at the subject of share buy-backs. On the back of a strong rebound in profits, some of Australia’s biggest companies are in the midst of large share buy-backs. For investors, making the decision to participate in these buy-backs comes down to many factors, some of which we unpack within our Focal Point section.
feature one of our team members being Private Wealth Adviser, Phil George, and,
suggest a good podcast to listen to and a good book to read.

Share Buy-backs

On the back of a strong rebound in profits, some of Australia’s biggest companies are in the midst of large share buy-backs. With buy-backs, the company can purchase the shares on the market or from shareholders directly (‘off-market’). For investors, making the decision to participate in these buy-backs comes down to many factors, some of which we unpack within Focal Point.