Clear Insights

Spotlight on the Budget’s superannuation changes

Spotlight on the Budget’s superannuation changes

The superannuation and Centrelink changes contained in Tuesday’s Budget are relatively mild compared to the barrage of changes announced last year. That said, a number of proposed measures have potential implications for financial advisers and their clients. Mel Bendeich explains.

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Six important EOFY tax strategies to consider

Six important EOFY tax strategies to consider

There are smart ways to minimise tax and maximise savings for clients before the end of the financial year. Jeff Scott examines six simple strategies including pre-paying premiums and maximising superannuation contributions caps.

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What’s ahead for global and domestic equity investors?

What’s ahead for global and domestic equity investors?

Global equity markets are being buoyed by expectations of strong US economic growth following President Trump’s November election. But is this sustainable? Jessica Schlosser examines the current economic environment and the outlook for international and domestic equities.

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How to hold insurance inside super and pay for it

How to hold insurance inside super and pay for it

There are a couple of ways that clients can hold insurance inside superannuation and tax-effectively pay their premiums. Renee Hancock reviews the rules for paying for cover via an annual tax paid rollover and contributions via direct debit, BPAY or cheque.

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Elective surgery and other potential IP exclusions

Elective surgery and other potential IP exclusions

The growing acceptance and popularity of elective and cosmetic surgeries including breast augmentations, rhinoplasty, knee replacements and laser eye surgery, requires advisers to be crystal clear on when an insurer will and won’t pay. Renee Hancock writes.

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Managing practice revenue

Protecting and managing risk revenue ahead of LIF

Upcoming changes to adviser remuneration under the Life Insurance Framework will have profound implications. Advisers must act quickly to diversify and grow their revenue or potentially suffer an immediate 20-33 per cent drop in cashflow from January 1, 2018. Jeffrey Scott details the changes, their likely impact and the options available to plug the revenue gap.

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