Free eBooks

Self-Managed Superannuation Guide - Free Ebook

Financial Adviser - Why you need a Financial Advisor - Free Ebook

This ebook explains why you need a financial advisor today. Whether you're a millionaire or a member of the middle class, chances are you never got much instruction in managing your money. And a ebook, call-in television show or a course may not give you the expertise you need to handle every aspect of your finances yourself, especially as you increase your income and take on more responsibilities and investments.

This  ebook guide should help you make a more informed decision in selecting an adviser; after all, you and your family’s financial future depends on it.

Financial Planning for High Networth Clients- Free Ebook

A high net worth individual(HNWI) is a person with a high net worth.

The Merrill Lynch - Capgemini World’s Wealth Report  defines HNWIs as those who hold at least US$1 million in financial assets and Ultra-HNWIs as those who hold at least US$30 million in financial assets, with both excluding collectibles, consumables, consumer durables and primary residences. The report states that in 2007 there were 10.1 million individuals worldwide who held at least US$1 million in financial assets and projects that HNWI financial wealth is to reach US$59.1 trillion by 2012, advancing at an annual growth rate of 7.7%.

High net worth clients have unique issues that they need to consider in their planning.

Readers of this ebook will gain critical insight for unique challenges and opportunities that wealthy families face when building wealth for multiple generations.

Smart Strategies For Your Superannuation- Free Ebook

By 2047 more than a quarter of Australia's population is expected to be aged 65 and over. Therefore most people won't be able to rely on the Age Pension.

Superannuation is still the most tax-effective way to save for your retirement. MLC’s Smart strategies for your super 2009 guide shows you how you can be super smart and get the most out of your superannuation savings.

Speak to a financial adviser to see which of these strategies best suit your needs.

Smart Strategies for Using Debt - Free Ebook

Managing your money effectively is about knowing all of your options and understanding the strategies that are right for you. In this booklet you will find nine strategies proven to be highly effective in helping people making the most of debt.

Speak to a financial adviser to see which of these strategies best suit your needs.

How to Transfer Your UK Pension to Australia - Free Ebook

Do you hold a UK Pension? Are you thinking about having it transferred to Australia?

Almost half of the UK working population is considering moving overseas to escape the recession, according to a new survey. Research by foreign exchange specialists Travelex has found that 45 per cent of working adults want to relocate, looking for a better quality of life and better job prospects overseas.

You may have seen many adverts in Australia offering ‘execution only pension transfers’. This means that cost to moving your pension is cheaper but you don’t get advice. The fact is that you need to fully understand what you are doing when you are dealing with such an important asset. Every year, thousands of people set up a new home in Australia. Some are retired or nearing retirement, and some need to find a way to continue earning a living once they’ve moved. They all have different needs in terms of investments, pensions, inheritance and tax planning.

Don't turn your overseas dream into a nightmare. This is your ‘bible’ and will be an invaluable source of information to assist you making right choices.

A Comprehensive Guide to Successfully Buy and Operate a Business - Free Ebook

Business success research proves that most businesses do not survive for more than three years after inception due to poor business selections at the outset. It’s paramount to choose a business which you understand from an operational standpoint or which you have a particular passion for.

This ebook has been written with the intent of providing an overview of the different types of business and some helpful tips to consider before venturing into business ownership.

You will find detailed information on: owing your own business, buying an existing business, buying a business franchise, starting a home-based business, managing cash flow, hiring the right staff, and succession planning. In addition, several appendices have been provided to assist you along the way: Questions you Should AskAbout your Business, Business Evaluation Tools, and a Self-Assessment Guide.

How to Buy 1000 Properties with just $1000 - Free Ebook

You probably know that in order to reach your financial goals you need to invest but you may be at a loss as to where to begin. You may think that investing is a complicated process that requires you to know a complex mix of investment jargon and calculus-like mathematics. You may even believe that investing will cost you a lot of money.

First we are going to go over what the different asset classes are that are available for you to invest in. We’ll then talk about which of those asset classes will give you the biggest return on your money. Most importantly, because investing does involve some risks, we’ll talk about what those risks are and what you can do to mitigate them.

Lastly, we’ll talk about how to take $1000 and buy in 1000 properties that will provide you with the income and capital gain you’re looking for.

A Guide to Estate Planning - Free Ebook

Estate planning is a crucial component of your total financial plan, and a necessary part of your total financial plan. Estate planning can help protect both your assets and your family’s future from the unexpected, but very possible, effects of legal action.

We have written this eBook to help you start the process of getting your estate planning in order.

A Guide to Islamic Finance and Islamic Financial Planning - Free Ebook

Islamic financial markets have contributed to huge growth in Islamic economies during the last decade. Much of this growth stems from the markets independence and flexible socio-cultural system, and because of these and other key factors, investors are becoming increasingly interested in them. Islamic financial planning (IFP) can be a useful tool in managing one’s wealth not only for the rich or those on high incomes but also for those on an average or low income; people like you and me.

In this book we offer an easy-to-read informative guide, so that you can learn more about the tremendous opportunities available in managing wealth the Islamic way, or in other words Islamic financial planning (IFP).

Within the book, we explain the rules of this growing industry and explore new solutions for the needs of Muslim and non-Muslim families, who face today’s striking challenges. Together we will learn about these challenges, and the options available step by step.

Business Succession Planning - Free Ebook

A business succession plan is crucial if you wish to make a conscious decision and have an impact on the course of your business when you are no longer the key decision maker for the business. It is paramount to ensure a smooth transition from one administration to the next in order to maintain sound continuity of the businesses policies and strategies which have been put in place and proven successful. Many factors determine whether a succession plan is necessary. Sometimes the logical and easiest choice will be to simply sell the business lock, stock, and barrel. However, many owners prefer the thought of their business continuing on after they're gone – leaving a legacy. It is absolutely imperative for those who think along this line to establish a detailed business succession plan.

Establishing a sound business succession plan is beneficial for most business owners, and can be absolutely necessary in some cases. This guide will help you identify when and how to draft a succession plan, and realise how you could benefit from putting a plan in place. We will identify the types of risk that business owners face, talk about the four types of business structures, provide an overview of the various types of insurance and how they apply to the various business structures and you’ll learn how to create a successful succession plan.

How to Buy Your Dream Home in Australia - Free Ebook about Real Estate Investing

This book will provide details on the benefits of acquiring a new home. The home owners of today can benefit in ways that home owners of the past could never imagine or dream of. This book highlights the processes involved in acquiring a new home including issues of legality and costs, avenues of finance, several advantages of owning an apartment, types of apartments, a host of effective insulation products, energy efficient heating and cooling systems, exquisite layouts and designs; this book has it all!

Thinking about Self Managed Super - Free Ebook

The Australian Tax Office has produced this high quality and easy to understand publication aimed at helping you consider whether to set up a self managed superannuation fund or not.

The Australian Tax Office has produced this high quality and easy to understand publication aimed at helping you understand if it is beneficial to set up a self managed superannuation fund.

Setting Up a Self Managed Super Fund - Free Ebook

Setting up and operating your own self-managed super fund (SMSF) is a major financial decision. It can have its advantages, but it is not for everybody. After all, the responsibility for running the fund and complying with the law rests solely with you as trustees.

The Australian Tax Office has produced this high quality and easy to understand publication aimed at helping you understand how to set up a self managed superannuation fund.

Running a Self Managed Super Fund - Free Ebook

Self-managed super funds (SMSFs) are now the largest and fastest growing segment of the super industry. The Australian Tax Office has produced this high quality and easy to understand publication aimed at helping you understand how to run a self managed superannuation fund.

There are many rules and regulations in the various laws that govern super that are designed to protect your retirement income. You and the other members of your SMSF have now taken responsibility for managing your retirement savings and complying with super and tax laws. This ATO publication should help you do this.

Financial Planning for Same Sex Couples - Free Ebook

It is estimated that there are more than 20,000 same-sex couples in Australia, although recent census figures are indicating that the number could be closer to 50,000. Same sex couples have unique financial planning issues and challenges to contend with.

Same-sex couples often pay more tax than opposite sex couples because of discrimination in tax law, yet they cannot expect the same entitlements in employment, workers' compensation, veterans' entitlements, health care subsidies, family law, superannuation, aged care and immigration law. Same-sex couples miss out on the same entitlements when it comes to the Pharmaceutical Benefits Scheme and the Medicare safety net. This is because the two schemes covering these concessions do not recognise same-sex couples as a genuine couple or, in certain circumstances, don't recognise those with children as a family. As a result, to qualify for the same benefits, same-sex couples have to spend much more than their opposite-sex counterparts.

The key issue is the use of the word "spouse" in the legislation. While the definition here includes a de facto spouse of the opposite sex, it excludes a same-sex partner.

This ebook has been written specifically to help navigate and understand some of these issues. We hope you find it benficial.

Men’s Guide to Child Support - Free Ebook

In truth, relationship breakdown and divorce affects every aspect of your life. The financial side is in no way excluded. There are many unique challenges you must face when coming into this unfortunate stage of life. Regardless of the specifics of your situation, it’s likely you’re facing more financial uncertainty than you’ve ever experienced before. Fear is a natural response to this uncertainty. Getting help with navigating this new road is critical.

The Child Support Agency (CSA) aims to make it easier for separated parents to support their children and meet their child support responsibilities.

We have written this eBook to help you review options available to navigate through complexities.

Self Managed Super Funds and you - Free Ebook

A self managed super fund can be a powerful way to save for retirement. This guide by Vanguard Investments explains the pros and cons of self managed super funds and how to go about setting up your own fund.

DYI Super Fund Check List

This handy checklist by Vanguard Investments is designed to help you quickly run your eye over some important administrative aspects of yourself managed super fund. However, it is only a short list of ‘reminders’ and does not address every aspect of managing your fund. You cannot – and should not – use this list alone to determine if your fund is complying with the super rules.

Smart Strategies for Maximising Retirement Income - Free Ebook

We recognise retirement means different things to different people.  Smart strategies for maximising retirement income booklet outlines eight potentially powerful strategies involving income stream investments that could be used in the lead-up to, and during your retirement.

Speak to a financial adviser to see which of these strategies best suit your needs.

Managed Funds - Free Ebook

Managed funds provide a cost-effective way for investors, large and small, to access a diversified mix of investments in a professionally managed package. This guide by Vanguard Investments explains how managed funds work.

Speak to a financial adviser to see which of the funds best suit your needs.

Investing for Income - Free Ebook

This guide by Vanguard Investments explains how you can generate income through investing. It explains the different types of income investments, factors impacting their returns and the importance of tax.

Building your investment portfolio - Free Ebook

This guide by Vanguard Investments explores the most important aspects of building an investment portfolio from the ground up. It covers asset allocation, implementation, rebalancing and reviewing your investment strategy.

 Superannuation Strategies - Free Ebook

This guide by Vanguard Investments offers some strategies for maximising your super. It also explains the new super rules, types of super contributions, tax and when you can access your super.

 Realistic Stock and Sharemarket Expectations - Free Ebook

This guide by Vanguard Investments examines the relationship between risk and reward over 50 years of sharemarket returns. It aims to help investors understand what is realistic to expect from their share investment.

Readers will gain critical insight for unique challenges and opportunities that investors face when building wealth.

 Transition to Retirement Pension - Free Ebook

Looking for early access to your super to supplement your income? Or more flexible work options?Find out more about what’s possible with Transition to Retirement. If you’re like many people in their 50s and aren’t yet ready to retire from the workforce, Transition to Retirement can offer you a range of benefits including:

Early access to your super. Opportunity to save tax and save more money for retirement. Substitute a lack of income from reduction in working hours with your super; Extend your working life. After 55, in most cases, enjoy tax-free income. Take advantage of Transition to Retirement arrangements.

Investing in Australian Aboriginal Art - Free Ebook

Investment in Aboriginal art has been a financially rewarding activity for astute collectors. However, all investment decisions, whether it is in art, property or the stock market, require that the investor be well informed, have access to good advice and be able to act decisively, preferably with a longer term view. The beauty of investing in Aboriginal art is that you have the aesthetic pleasure of the work and the interest of the artist's culture as well as the possibility of a sound financial return.

One of the hottest areas of the contemporary art scene in Australia today is Australian Aboriginal art, which is becoming an increasingly attractive option for many investors. We predict that the secondary market in Australia will become more conservative and elitist in its approach, emulating the Sotheby’s and Christies in New York and London. The Aboriginal art market has attracted increasing international attention in recent years, and has experienced exceptional growth which appears set to maintain pace in the medium term. Aboriginal art considerably outsells non-indigenous Australian art at auction and has gained significant international standing.

It is critical that investors are well informed before entering the Aboriginal art market and this book will assit you making right choices, including what to look for when buying art, how to purchase art using your superannuation (DYI super) fund, and some information relating to Arts Philanthropy.