income

Why 35,000 high-income Americans pay no federal income taxes -- Decoder

Submitted by Financial Adviser on Thu, 06/21/2012 - 14:37

Income Protection Insurance for High-net-worth Earners

Submitted by Financial Adviser on Wed, 06/20/2012 - 13:52

In ‘Income protection insurance: calculating the benefit amount’, the first article of this two-part series, the various factors that should be considered when calculating an income protection insurance benefit amount were discussed.

More importantly, however, it was established that there needs to be a logical basis to the calculation of the benefit amount such that, irrespective of the client’s earnings, there is a consistency of approach that enabled the basis of the calculation(s) to be repeated, taught and defended.

ATO focuses on novice investors

Submitted by Financial Adviser on Mon, 06/18/2012 - 12:48

A key part of sound personal finance practice is to ensure you have at least a broad knowledge of how tax applies to your investments - and to understand the need to gain professional tax advice when necessary.

Income & Fixed Interest commentary

Submitted by Financial Adviser on Mon, 06/04/2012 - 22:31

May saw a continuation of the bond rally that started in mid-March as the European crisis lurched further towards the abyss. In the main developed markets bond prices have moved steadily higher over the last few months (our favoured markets of Germany and Australia were the strongest performers this month) while peripheral bonds suffered.

What is MLC MasterKey?

Submitted by Financial Adviser on Sun, 01/15/2012 - 12:02

MLC MasterKey is an investment platform provided by MLC combining investments, insurance, superannuation, income streams, shares and loans into one consolidated portfolio.

What are the Benefits of Transition to Retirement?

Submitted by Financial Adviser on Wed, 01/04/2012 - 15:07

There are a number of reasons to take advantage of Transition to Retirement legislation. Here are just a few:

• Additional income stream. Even if you continue working full-time, accessing superannuation puts more cash in your pocket today: You can reinvest those funds, finance lifestyle choices, pay for education or other expenses, etc. It’s your money – Transition to Retirement lets you have more options for when you access it.

Where do you stand financially?

Submitted by Financial Adviser on Mon, 12/05/2011 - 02:12

It’s quite common to get “financially lazy” or complacent during good times. If your income meets or exceeds your typical expenses, it’s easy to stop thinking about what you spend your money on.

Your first step should be to take get a handle on your finances: Income, debt, payments/expenses, discretionary spending, etc. Unless you know where you’re starting from, you will not be able to rational, logic-based decisions. You should review and understand the following:

Navigating Financial Jungle

Submitted by Financial Adviser on Mon, 12/05/2011 - 01:23

It is estimated that 95% of Australians will retire on an income that is considered insufficient (less than $25,000 a year).

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