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You are here: Home / Archives for superannuation

August 10, 2011 by John Duncan

Living with Volatility

The current renewed volatility in financial markets is reviving unwelcome feelings among many investors—feelings of anxiety, fear and a sense of powerlessness. These are completely natural responses. Acting on those emotions, though, can end up doing us more harm than good.

At base, the increase in market volatility is an expression of uncertainty. The sovereign debt strains in the US and Europe, together with renewed worries over financial institutions and fears of another recession, are leading market participants to apply a higher discount to risky assets.

So developed world equities, oil and industrial commodities, emerging markets and commodity-related currencies like the Australian dollar are weakening as risk aversion drives investors to the perceived safe havens of government bonds, gold and Swiss francs.

It is all reminiscent of the events of 2008 when the collapse of Lehman Brothers and the sub-prime mortgage crisis triggered a global market correction. This time, however, the focus of concern has turned from private sector to public sector balance sheets.

As to what happens next, no-one knows for sure. That is the nature of risk. But there are seven simple lessons that individual investors can keep in mind to make living with this volatility more bearable. [Read more…]

Filed Under: General, Investment, Superannuation Tagged With: investing, investment, living with volatility, superannuation

May 26, 2010 by John Duncan

2010 Federal Budget

What does it mean for you?

Treasurer Wayne Swan released the Government’s third Federal Budget on Tuesday, 11 May 2010.  It has been reported to be a budget with a “few surprises”, however there is potentially a number of proposals that may impact you.

The proposed changes still need to be legislated before becoming effective, therefore the final form of these proposals may differ significantly. It is important to seek professional financial advice in relation to the impact these measures may have on your personal financial position.

The budget aims to return us to a surplus by 2012/2013 after a budget deficit for 2009/2010, estimated at $57 billion. [Read more…]

Filed Under: Budget, General, Tax Tips Tagged With: co-contribution, deductions, federal budget, income tax, marginal tax rate, super guarentee, superannuation, tax deductions, tax offset, tax rate

December 18, 2007 by John Duncan

Getting insurance through your Super?

Would you and your family really be covered by the insurance in your super?

Many Australians choose to be insured through their super as a low cost option and an option that only requires a tick in a box. This option is not underwritten which means that you can be insured without undergoing any medical assessment. Sounds great to most people and there is nothing extra to organise. However there are a number of pitfalls in taking this option. [Read more…]

Filed Under: Insurance, Superannuation Tagged With: insurance, superannuation

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Meet John Duncan

John Duncan - Financial Planner

Director for True Financial - John Duncan - Fee Only financial planner To receive the best financial planning advice you need the best financial planner. John Duncan is certainly in that category. John is a financial planner who is unique in not only his high level of knowledge and experience in financial planning but also in the amount of areas that John advises in. A Financial Planner with a strong Education background John is a Certified … Read More

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