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Constructing a retirement portfolio in a low return world

Posted at 22 Feb 2022 in General Interest by Strategic Retirement Solutions

Portfolio construction is a much-used term that can be misunderstood. Fundamentally, the term portfolio construction refers to the process of selecting investments to create the optimal balance of risk and return. By mixing different types of investments and different asset classes, portfolios can be built in...

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What is equity and how can I use it to invest?

Posted at 22 Feb 2022 in General Interest by Strategic Retirement Solutions

Whether you're looking to invest in property, renovate or pay off something big, borrowing against the equity in your home may be helpful, if you’re across the risks. The equity in your property can be a valuable resource, as it may allow you to borrow money...

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Do you value your assets more than yourself?

Posted at 22 Feb 2022 in General Interest by Strategic Retirement Solutions

Value is a funny thing. One person’s trash can be another person’s treasure, as the old saying goes. The value we place on something tends to be very individual, and is generally a product of many different factors ranging from cultural background and upbringing to...

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What’s next for the Australian and global economies?

Posted at 10 Dec 2021 in Economic Updates, General Interest by Strategic Retirement Solutions

Key points: 2022 is likely to be the year COVID-19 goes from being an epidemic to endemic. Expect ongoing global economic recovery, albeit with bumps along the way. The spike in inflation is partly due to pandemic driven distortions to demand and supply chains but...

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Market volatility during COVID-19

Posted at 15 Nov 2021 in General Interest by Strategic Retirement Solutions

Market volatility refers to extreme price movements over a given period. These movements may occur in a particular area, such as real estate or shares, and may be upward or downward. Ever since COVID-19 started spreading across the world in late 2019, affecting every aspect of...

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An overview of the main residence CGT exemption

Posted at 15 Nov 2021 in General Interest by Strategic Retirement Solutions

Generally, a property, including a taxpayer's main residence, ie their family home, is considered to be a Capital Gains Tax (CGT) asset. When CGT assets are sold, taxpayers may be liable to pay tax on all, or part, of the capital gain. However, tax law provides...

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Retirees: How to beat Inflation before it beats you

Posted at 15 Nov 2021 in General Interest by Strategic Retirement Solutions

Investors with long memories – or a good education – will recall the bad old days when inflation was the economic bogeyman. It broke Germany’s Weimar Republic in the 1930s and nearly cratered America’s economy in the 1970s. Fortunately, inflation has been a non-issue in Western...

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What alternative assets bring to your super investment mix

Posted at 15 Nov 2021 in General Interest by Strategic Retirement Solutions

Most of us have heard of the main asset classes: shares, property, fixed interest and cash, but alternative assets are less well known. However, these types of assets can provide further diversification and enhanced returns for your super. Alternative investments are those found outside the traditional...

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Do life insurance products cover mortgage payments?

Posted at 15 Nov 2021 in General Interest by Strategic Retirement Solutions

You've worked tirelessly to own the home of your dreams. But if you suffered from an injury or illness that prevents you from working, would you be able to cover your mortgage repayments? A government report by the Australian Institute of Health and Welfare found that...

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What happens to my super when I move overseas?

Posted at 15 Nov 2021 in General Interest, Superannuation by Strategic Retirement Solutions

You might be leaving the country for a variety of reasons - career prospects, love, adventure, new opportunities - or you may be returning home. While you’ve probably got a checklist of things to cover off before you jet, spare a thought for any super you...

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