News2018-02-12T23:45:18+00:00

Got term deposits on your mind?

The basics A term deposit is like a locked bank account. You agree to a fixed interest rate in exchange for investing your money for a set amount of time. It offers certainty and security, and you know exactly how much you are getting and when you are getting it. The global financial crisis has...

Know your insurance

From beneficiaries and benefits to policies and premiums, personal insurance is full of technical terms. Here are some common questions – and answers – that may help you better understand the world of insurance, and how it can help ease financial stress resulting from difficult and challenging life events. Is there a rule of thumb...

Super – in it for the long term

Superannuation is specifically designed to help you save and invest for your retirement. It’s all about helping you take control of your own retirement, rather than rely on the age pension. It’s your money! When you first start in the workforce, it’s easy to dismiss super as money you can’t access or ‘lost’ money. It’s...

Hybrid securities: proceed with caution

A hybrid security is one that combines two or more securities to form a single investment. They are usually traded on markets such as the Australian Stock Exchange (ASX) and are often used by companies as a way of borrowing money from investors. For example, a typical hybrid security may be part debt and part...

The pros and cons of protected equity loans

Protected equity loans are “flavour of the month” – but could they leave a bad taste in your mouth?   When you start an investment program, unless you have substantial capital available, you may need to borrow to invest. Borrowing to invest has advantages: you can increase the potential profits on the sale of the...