Keeping records for property
19th December 2024
Investments
If you’d like your money to start working for you, it’s time to learn about investing. Everyone has different needs and circumstances but here are some basics to consider. Of course, we recommend you contact us before you start putting your money into any form of investment.
Superannuation
So, you might need a lot more money for your retirement than you think. Unless you’re counting on a lotto win or growing your own personal money tree, super can help you enjoy your retired days by allowing you to maintain a good standard of living, which isn’t achievable by receiving just the Age Pension
Self Managed Superannuation
Self-managed super funds (SMSFs) are a way of saving for retirement. SMSFs are one of the fastest growing sectors of the Australian super industry. SMSFs give people full control of their own super fund, including all the legal and tax responsibilities associated with doing this.
Retirement Planning
Retirement means different things to different people. We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important. Putting money into super now is still a tax effective way to invest your money for the future
Personal Insurance
An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance.
Debt Management
Borrowing money is easy these days and that’s why it’s even easier to get into debt. But, not all debt is bad debt. Having a debt management plan in place and understanding the different between good and bad debt could help you make better financial decisions.
Estate Planning
Estate Planning gives you the peace of mind that the people you care about are looked after if something happens to you. You should consider estate planning if you have assets, whether it’s a house, superannuation, investments and/or a business. More than just a Will estate planning helps you arrange your assets so that your life savings end up in the right hands, at the right time.
Centrelink
The team at H & C Financial Partners can assist you with understanding which, if any, Centrelink and government benefits that may apply to you. Regular changes to legislation around Centrelink and Benefits, make it very difficult to understand what you may be entitled to (or not), as well as if your next investment move may impact these entitlements.
