Economic and Markets Outlook 2021

This Economic and Markets Outlook 2021 is presented so that our clients and other followers have some insight into factors that will be in our minds as we construct, review and revise investment portfolios in 2021 – particularly during the first half of the year.  (If a day in politics is a long time, a forecast year in investment markets is an eternity!) 2021 - a year of financial intrigue, [...]

Interest cost deductibility

Interest cost deductibility saves tax, lessens borrowing costs Interest cost deductibility is one of the factors considered in making a decision as to whether to gear an investment. Gearing is a popular strategy used by many Australians to improve their wealth. Popular investment assets acquired in a geared portfolio include rental property (residential, commercial, industrial etc), shares and managed funds. The cost of borrowing for an asset/ portfolio that is income producing, is significantly less [...]

Income Replacement Insurance

Comparing Income Protection Insurance with Salary Continuance Insurance Income replacement insurance is a form of wealth protection that provides an income stream to replace a 'normal' income stream (such as wages or profit from a self-employed business). It is important to provide financial stability during times of interrupted earning occasioned by accident or illness. Income Protection insurance is the more common name for this particular life insurance product, but when [...]

By |2021-07-27T15:24:42+10:00November 21, 2014|Risk Insurance Strategies|0 Comments

Occupation Definitions for TPD and IP Insurance

Occupation Definitions influence insurance cost and benefit This article addresses the issue of the particular occupation definitions applying to your occupation. Whilst your occupation will impact on the premium you will pay for other forms of life insurance (such as TPD, Income Protection, Business Expense and Key Person Insurance), it is only TPD and IP insurances that have the occupation defined for the purpose of a claim against these policies. The claims-based [...]

By |2021-07-27T18:18:36+10:00October 17, 2014|Risk Insurance Strategies|0 Comments
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