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| Tips for the year ahead |
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Eight for 2008 from
NWAdvice
Andrew Reeve-Parker, Director of
NW Advice, offers his eight top
tips for the year ahead |
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| 1. |
Give your Tax File Number to your Super Fund |
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If you don't, the ATO will deduct 46.5% from your employer contributions and deny your personal contributions. |
| 2. |
Timing your Investment |
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if you are sitting on cash, resign yourself to never being able to pick the bottom of the market. You can however put the odds in your favour by researching the various financial ratios such as the Price to Earnings and Price to Book Value ratios. If you don't have the time, employ a competent fund manager to look after your investments. |
| 3. |
Update your insurance policies |
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The cost of life insurance has come down over the years, if you've held your policy for a number of years, you may find that you can now get a much larger amount of cover for the same premium. Underinsurance is one of the most common problems we see among clients, re-broking cover can be a simple solution in obtaining additional cover with no cost. |
| 4. |
Self Funding Instalment Warrants – the smart way to leverage |
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If you want to increase your investment exposure, franking credits and tax deductions whilst eliminating the dreaded ‘margin call’, use SFI warrants to give your wealth a boost. Think of it as putting shares on lay-by whilst enjoying all the benefits now. |
| 5. |
Review your asset allocation |
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Strong results in our local market will have distorted your portfolio weightings and, as a result, increased the risk of your portfolio and in some cases potentially reduced your future returns. Evaluate your portfolio allocation and take steps to find the right balance. Correctly balanced portfolios can reduce the volatility of your investments by using asset classes which perform at different stages in the market. |
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| 6. |
Review your home loan |
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It never ceases to amaze me how many people just sit on the standard variable rate on their home loan. For most, this is by far their biggest expense and with many of the mortgage lenders falling over themselves to get your business, you would be mad not to look at some of the reduced rates available to entice your business over to them. |
| 7. |
Set up a regular payment |
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Its human nature to panic and sell when the market
has fallen and want to invest when the market has
risen. Unfortunately, this is probably the worst thing
you can do.
Dollar cost averaging removes the emotional
aspect of investing, if the markets fall, you’ll be
buying more shares/units at a lower price and if
markets rise, less shares/units at the higher price. |
| 8. |
Over 55 & working, start a Transition to
Retirement pension |
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This is by far and away, the most satisfying
financial planning solution we provide. Eliminate
the 15% earnings tax on your superannuation by
setting up a pension. To make the process even
more tax effective, salary sacrifice your surplus
income to reduce your personal tax rate. |
Fill in our 2 step fee for service request form.
Step 1 of 2 |
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| NW Advice is an independently operated, non-aligned financial planning practice offering fee for service advice. Any
opinion and recommendation within this newsletter by NW Advice are independent of our own views and should not in
any way be construed as personal advice. |
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| FUNDS FOCUS Investment newsletter: Issue 1, January 2008 |
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Order a ZERO entry fee PDS
To download or request a hard copy Product Disclosure Statement with no entry fee, please complete order form below. Portfolio Healthchecks and the Wealth Focus annual report can be faxed back on 1300 55 98 70 or posted to us for free at Wealth Focus, Reply Paid 760, Manly, NSW, 1655 |
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| What do we get paid |
Wealth Focus will rebate 100% of entry fee on managed fund investments as additional units. Wealth Focus may receive a trailing commission of up to 1.00% pa. depending on the manager we have a relationship with. This trailing commission is paid by the fund manager and is NOT an additional charge to the investor. |
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This month’s issue examines the opportunities that exist as a result of the “new economy”, where they are and how you can minimise some of the resulting volatility. |
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Challenger China Share Fund
The Asian growth story and China’s emergence into the outside world remains as compelling as ever. Could now be an opportune time to invest?
p12 |
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Merrill Lynch International Gold Fund
Gold can be considered an effective diversifier. Gold often performs well when financial markets perform poorly as investment managers look around for ‘insurance’ against financial instability and poor equity performance.
p14 |
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Macquarie - Globalis
BRIC Fund
Emerging markets continue to be the
fastest growing economies. We
examine Macquarie’s joint venture
into the BRIC economies and how
you can take part in the fastest
growing economies in the world.
p16 |
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Launch offer – Free
Portfolio Healthcheck
Probably the worst thing you can do
is sit on an portfolio full of proverbial
“dogs” in the hope that they’ll
somehow get their act together and
produce you the great returns
overnight. We’re giving investors the
opportunity to get a free report
across all their managed fund
investments.
p19 |
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