Although Self-Managed Super Funds (SMSFs) are normally not permitted to borrow, one of the exceptions to this rule is an SMSF Limited Recourse Borrowing Arrangement (LBRA). A simple outline of how this works: Your SMSF wants to buy property. It doesn’t have enough to pay for the full purchase. It seeks out a loan from […]
Are we at the end of a bull market?
I read last week that the Standard & Poor’s 500 index (S&P 500, which is a measure of 500 of the largest companies in the USA) closed at a record high for the 100th time since the election of President Trump. Finishing the day at just under 3,000, the closely watched index suggests the US […]
Spring Clean Your Mind: The Function of Sleep
There’s a variety of thoughts happening in our brain at any one point in time. We’re thinking about our to-do list, worrying about a heap of different things, replaying the past and planning for the future. Sometimes, your head space can feel rather full. And it’s during these times that we often neglect what we […]
Threats, Tariffs and Trade-Wars
President Trump’s tariffs on foreign imports continue to attract strong reactions from China, the European Union and other US trading partners. This is perfectly understandable given the tariffs threaten to weaken the economic livelihood of those places. As can be expected, share markets have taken these factors into account. Starting on 30 August 2018, the […]
What is Life Insurance and what does it cover?
I don’t meet many people that like paying for insurance, but being insured provides a level of comfort in knowing that should something nasty occur, you have transferred the financial risk of an unforeseen event to a third party. So what is life insurance and what exactly does it cover? Take a moment to ask […]