We are pleased to release the investment reports for the fourth quarter of 2023. These reports provide a comprehensive overview of financial markets activity and the performance of each portfolio model from inception through to the latest quarter ending 31 December 2023.Key highlights of the Q4 2023 Investment Reports include:Performance Overview: A detailed analysis of each portfolio’s performance, highlighting any significant achievements or areas for consideration.Asset Allocation: A breakdown of investments across various asset classes,

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In our exploration of estate planning this month, we've delved into a topic that often doesn't get the attention it deserves: simultaneous deaths. While such events are rare, it's essential to understand the potential implications, especially when it comes to beneficiary nominations, both within and outside of superannuation. When two or more individuals pass away simultaneously, the order of their deaths becomes critical in determining the distribution of assets, particularly for jointly held property and

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In most cases when someone passes away their super is paid to their dependents. However, there are instances where it is paid to the deceased’s estate. If a person’s super is paid after death, it’s called a death benefit, this benefit is comprised of their super account balance and if there was any death insurance cover. It is important to carefully consider who will receive any benefit as even if someone doesn’t have a lot

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Whilst it is an easy conversation to ask loved ones including parents for money to buy a home or do renovations, little thought goes into the harder scenario on contemplating how you go about ensuring that those funds are repaid. If you loan monies to your children, will you get your money back? This creates difficulty, especially for the older generation who may be relying on those funds to retire comfortably. It is becoming common

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Take greater control of your retirement savings through a self-managed super fund (SMSF). An SMSF empowers you to oversee how your super is invested. This approach has gained popularity as a retirement savings method. Before transitioning to an SMSF, it's crucial to understand the administrative and compliance requirements associated with it. The information below provides insights into managing your SMSF effectively. What is an SMSF? An SMSF is a trust that manages funds or assets

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Australian banks announced big profits over the past several weeks, and have been roundly criticised by many believing the fees charged (including interest rates) are excessive. What is not well known is that banks have passed on only 2.73% of the RBA’s (Reserve Bank of Australia) 4.00% rate increases since early 2022 as at June 2023. This has actually been a cushioning effect for borrowers. Banks have been competing aggressively and on average have not

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In the past few years, we have encountered numerous challenging situations, such as the global pandemic of CoVid 19, which has caused uncertainty in various aspects of our lives. Our lifestyles have been disrupted, housing has become more uncertain, and the cost of living has continued to rise. These circumstances have forced us to confront an important question: What would happen to our personal and financial affairs if we were unable or incapable of making

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There is increasing talk about the type of investing which considers environmental, social impact, and good governance (ESG) factors when making investment decisions. To understand if it is all just hype or whether its an important part of the future of investment let’s explore the topic. What is it? ESG factors can include things like a businesses' carbon emissions, its labour practices, and its board diversity. There are a number of reasons why investors might

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The national Home Value Index (HVI) assembled by CoreLogic has recorded a third consecutive monthly rise. The index captured continued growth in May of 1.2%, helped by low levels of available housing supply as owners continued to hold properties. By comparison, home values for March and April grew 0.6% and 0.5%, respectively. Notwithstanding the high uptick in price recovery, most housing markets across the country were still recording values well below their recent peaks. The

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Electronic conveyancing (or eConveyancing) is mandatory in Queensland from 20 February 2023. This means that certain instruments and other documents for property transactions will need to be digitally prepared, signed, settled and lodged using an Electronic Lodgement Network (ELN), by a subscriber, unless exempted. This includes transfers, mortgages, caveats (new, withdrawal), priority notices, and transmission by death. Under the Electronic Conveyancing National Law (Queensland), the Registrar of Titles can determine the requirements for Electronic Lodgment

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