Author: prudentia

Investors are becoming more ethically conscious

Investors worldwide are becoming more actively engaged with where their money is being invested, with flows into ESG products continuing to build momentum.

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State and Federal Disaster support — April 2022

The following links are to the latest state and federal government plans, schemes, programs, and initiatives to help businesses and individuals manage the impact of yet further national hardships. Disaster resources updated 01-04-2022 We have added some new links under States and Territories that help further outline what each is offering. Let’s hope the floods in...

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Federal budget 2022: Winners and Losers

With a federal election only a couple of months away, find out who's getting a cash boost — and who's not — in Treasurer Josh Frydenberg's latest budget.

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ATO upgrades Online services for SMSF auditors

The ATO has made a number of enhancements to Online services for business to improve the process of lodging auditor contravention reports and audit complete advices.

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SMSFs warned on NALE uncertainty

Heffron says SMSFs still need to be cautious around non-arm’s length arrangements.

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Constructing a portfolio using investor profiles

Vanguard research showed that not all younger investors had a high equity allocation and not all older investors reduced risk as they aged. Consider constructing a portfolio using diversified funds that not only considers your investment time frame, but also aligns to your attitude towards risk.

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Government intervention in super a ‘low priority’ for consumers

Access to healthcare and the cost of living rank higher, according to a recent survey.

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Where self-managed super funds are investing

Recently released ATO data shows some SMSFs have too much of their money invested into just a few asset classes and are not as diversified as they could be. Here's why having broad market exposure is important in retirement.

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Investing for a house deposit

Despite it seeming increasingly difficult to get on the property ladder, there are still a few ways younger investors can realistically work towards a house deposit.

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Federal Budget 2022 – Overview

  The following is a breakdown of the major parts of the Federal Budget delivered last night by the Treasurer, Josh Frydenberg.   

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Budget at a glance – Video

  There are hundreds of pages and summaries you can read about this year's Federal Budget but this video is the only comprehensive option you can watch.  

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Federal Budget 2022 and YOU – Part 2

  Part 2: The second half of a detailed breakdown of last night’s Federal Budget. Also included are the budget documents themselves for those who like their information to be as granular as possible. Part 2 is set out in this way to help quickly find information that affects you, your family, and your region.  

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Federal Budget 2022 and YOU – Part 1

  Part 1:  Any government Budget consists of information about all areas the respective government manages for the tax payer.  The Federal Budget is no exception and set out below are half of the areas this year's Budget covered.  It is set out in this way to help quickly find information that effects you, your family and your region.  

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Market Volatility and Staying the Course

After several weeks of diplomatic tensions, over the last few days the word has watched in shock as Russia invades Ukraine. Geopolitical risks are difficult to predict and even more difficult to manage for within a portfolio context. In recent years we have seen growing tensions between China and the US, North Korea agitate, and...

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State and Federal Disaster support — March 2022

The following links are to the latest state and federal government plans, schemes, programs, and initiatives to help businesses and individuals manage the impact of yet further national hardships.

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APRA proposes updates to super data transparency

The prudential regulator is planning to publish data on all super products and investment options for the first time.

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Fresh research challenges guidance on SMSF minimum balances

New research shows that ASIC’s emphasis on minimum SMSF balances of $500,000 is “excessively conservative”, with the evidence suggesting that $200,000 may be a more appropriate threshold.

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SMSFs still experiencing delays with SuperStream

The latest version of the SuperStream standards has made the SMSF rollover process slower and more complicated, according to around half of SMSF professionals in an industry poll.

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Mistakes to avoid when markets are turbulent

Decisions made in response to short-term events will invariably have negative long-term consequences, so avoid these three common mistakes if you can

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A total returns approach to rebalancing

When reviewing your asset allocation for the purpose of rebalancing, consider whether a total returns approach to portfolio construction can help achieve your investment goals.

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Risking your retirement

If you're retired or approaching retirement, and dreading the next piece of news that may cause your portfolio to dip, then it might be time to revisit your asset allocation.

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Russia/Ukraine: Rising geopolitical risks and portfolio implications

  Given the enormity of Russia's decision to invade Ukraine, this note provides a short update on the potential market implications.  

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How does investing work? – Property / Shares

There’s no quick answer to the question of where to invest your hard-earned money. However, there are some basic facts and rules that can help guide your decision. Property We all love property. We all want to buy property. Whether we can afford to buy it is another question, but we all talk about house...

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Do you know what’s on your Personal Property Securities Register?

The PPSR is a Government register that a lot of people don’t know about but it can impact their borrowing. About the PPSR The Personal Property Securities Register, most commonly known as the PPSR, is an official government register. It is a public noticeboard of security interests in personal property that is managed by the...

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State and Federal COVID-19 support — February 2022

The following links are to the latest state and federal government plans, schemes, programs, and initiatives to help businesses and individuals manage the impact of yet more COVID-19 restrictions.

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Why investment predications can be likened to weather forecasts

Investment forecasts, just like weather forecasts, should be used to help inform but not entirely drive decision-making.

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ATO releases new guidelines to combat identity theft

ATO and the Tax Practitioners Board have developed new client verification guidelines for tax practitioners, with criminals using increasingly sophisticated attempts to steal taxpayer identities

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What to expect in 2022

2022 is set to be a bumpy year for investors, but sticking to an investment strategy and thinking long-term will help investors navigate the road ahead.

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Volatile markets underscore importance of discipline

Heightened volatility and market losses early in 2022 emphasize the value for investors of a long- term focus.

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‘Catastrophic consequences’: Government lobbied on NALI rules

The non-arm’s length income rules for superannuation will result in unwarranted and significant detriment to fund members and could operate in conflict with a range of trustee duties, including the best financial interests duty, joint bodies have told the government.

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Heathmont Financial Services Pty Ltd (ABN 68 106 250 104) trading as Heathmont Financial Services is a Corporate Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd (ABN 74 630 256 227), Australian Financial Services Licence Number (AFSL) 513763.

Julian McGoldrick is an Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd AFSL 513763.

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