When you think of collectables, the first thing that comes to mind may be limited edition coins, or quality art and antiques, but these days collectables can include other kinds of items, like vintage gaming consoles or rare sneakers. For many collectors, these items are more than just sentimental. They can gain value over time […]
Waiting for the perfect time to invest? Let’s talk.
If you’re sitting on the sidelines waiting for the stars to align before you start investing, here’s a gentle nudge: the perfect time rarely announces itself. Markets go up, down, sideways—and while timing can matter, time in the market matters more. Think of investing like planting a tree. You don’t wait for the ‘perfect’ weather […]
Why superannuation is often excluded from your Will
When most people think about estate planning, they imagine writing a will that says who gets what when they pass away. But here’s the twist: in Australia, your superannuation isn’t automatically covered by your Will. That surprises a lot of people – and it’s one of the most common questions financial advisers receive around estate […]
Ethical investing – progress over perfection
Australia’s corporate regulator, the Australian Securities & Investments Commission (ASIC), is suing Fiducian Investment Management Services (FIMS), alleging that one of its ethical funds included mining and fossil fuel companies – despite being marketed as socially responsible.[1] As the case unfolds, it’s a timely reminder that misleading fund labels – intentional or not – can […]
Update: unrealised gains no longer to be taxed
You may have read my earlier post in June this year about the proposed Division 296 Tax for super balances over $3 million. At the time, the proposal included taxing not only actual earnings (like interest or dividends) but also unrealised gains — that is, taxing increases in investment value that hadn’t yet been […]