Protecting Your Small Business

Owning and operating a small business is hard work. The last thing you need is to lose it all because of poor insurance choices. Do your homework First you need to work out what needs to be covered. There are the obvious things such as plant and equipm …

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The Power of Regular Investing

Want to invest your money but not sure where to start? Get in contact with Dev Sarker today on 1300 71 71 36!

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How do your gift giving habits compare?

Source: moneyandlife.com.au Have you ever thought about how much you spend on gifts throughout the year? Did you know Australians spend nearly $20 billion a year on gifts? That’s about $1,200 each per year or $100 a month. New research* reveals other t …

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Five tips for looking after your large household’s finances

Take the pain out of managing your family’s finances. Taking care of household finances can be taxing, especially if you have a big family. But with proper planning and budgeting, there’s no need to stress. Here are some tips to help you effectively ma …

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Four ways social media affects our spending

Social media could influence us to spend impulsively.   Can social media use be linked to spending? Research shows it can. For example, one study found that social networks such as Facebook and Instagram can motivate impulsive buying behaviours.[1 …

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Putting your goals first

A goals-based investment approach isn’t focused on ‘beating the market’. It’s about tailoring your investments to meet your personal goals. Your adviser may help you create a financial plan tailored to help you achieve the goals you want. Get in contac …

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Cash flow can make or break your business, so take time to safeguard it

According to a recent survey by research firm East & Partners for lender Scottish Pacific, nearly 80 per cent of owners of small and medium enterprises said cash flow issues caused them the most sleepless nights.[1] So what might you do to improve …

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Successful Investor Secrets

The investment world can change dramatically from one month to the next. But these secrets of successful investors never go out of style. Successful investing can be one of your biggest allies in the quest for long-term financial security. Unfortunatel …

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Prune, adapt and budget: Managing the rising cost of living

If you’re organised with your finances, the high cost of living doesn’t have to mean diminished savings. The increasing cost of goods and services – from food and housing to transport and utilities – is a reality most Australians have to face every day …

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Four ways to teach children healthy money habits

Set a good example for your children with just a few simple changes. As a parent, you try to ensure your children have the skills to make smart financial decisions. For example, you tell them about the importance of saving or the power of compounding i …

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Here’s why you need income protection

Your ability to earn an income is usually one of your biggest assets, so why not protect it? A sudden illness or injury can keep you from working and leave you in financial difficulty. You may get help from a worker’s compensation payout or personal sa …

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Five financial moves to make in your 40s

In your 40s? Here’s what you need to consider to financially get ahead. Being in your 40s often involves balancing many responsibilities that it becomes easy to neglect your own financial wellbeing. But it’s not too late to secure your future. Here are …

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Superannuation: Too important to ignore

Superannuation is the one thing you could do for your financial future this year, that could make a big difference to your retirement income. But how much do you really need? That’s a big question. As we know, everyone’s needs are different, unexpected …

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Stay financially healthy even in sickness

Don’t let an illness stop you from looking after your finances. A Financial Adviser could work with you to develop a financial plan that’s specifically tailored to your needs, so get in touch with Dev Sarker today on 1300 71 71 36.  

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Insurance: Get insurance while you’re still bulletproof

According to research by TAL insurance provider the cost of personal insurance soars after the age of 35. This is also the time in our lives that you may be going through significant change such as marriage, children, a bigger mortgage and more respons …

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Cashflow: Keeping top tips top of mind

We all like a good cost saving tip, even if it is something we already know, it never hurts to revisit some top tips and take a look at our current situation to see if there are savings to be made. Any little savings we make throughout the year can be …

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Take control of your retirement

Are you planning to retiring in the next 5 years? Are you affected by the increase in the Age Pension’s qualifying age? Take steps now to avoid getting caught short on retirement income. The minimum age to qualify for the Age Pension has started going …

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Five ways to stick to your financial resolutions

Setting a financial goal for the New Year? Take steps to make it work. It’s that time of year when we set new goals or dust off old ones. But how can we boost our chances of sticking to our financial resolution? Here are some practical tips. 1. Choose …

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Season’s Greetings

As we approach the end of another year, we would like to wish you all the best for the festive season, and the year ahead. From all of us at BlueRocke!

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Boost your super with the work test exemption

If you’re a recent retiree and looking to increase your superannuation savings, here’s some good news for you. The Australian Government is proposing to make it easier for recent retirees to save more super by allowing them to contribute for a year wit …

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Save through super for your first home

A new scheme may help you make your dream of owning a home come true. High property prices have made owning a home unattainable for many prospective first time buyers. But the First Home Super Saver scheme, passed by the Australian Government in Decemb …

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Be retirement ready – plan early

You need to be savvy to build a sufficient nest egg for retirement. Planning is key, and so is getting professional advice. Most Australians are not saving enough for retirement and risk running out of money sooner than they expect. Data shows that in …

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Staying on top of finances for a small business

There is a lot to keep track of when running a small business, including your finances. They can make or break your business, so here are some pointers to help you keep them in check. Don’t lose out Ensure you are taking advantage of recent tax and reg …

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Get help choosing personal insurance

When things go wrong, it’s nice to know you’re covered. But getting suitable insurance cover can be a matter of getting professional advice. Protecting what you have worked hard for is important, so it’s essential to get appropriate insurance cover. To …

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Take a break – without breaking the bank

Holidays should be a well-deserved break from worry. Here’s how to minimise your stress and have a relaxing time away. Plan ahead Doing your research may be one of the best ways to save money on your holiday. Even with the summer holidays just around t …

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Financial literacy leads to healthy habits

It’s an important skill but many people are still not as financially literate as they should be. Here are some ways that may help you improve. Financial well-being is defined1 as when a person is able to meet expenses and has some money left over, is i …

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Five things to consider when giving to charities

The urge to donate is strong in Australia, and it’s easy to make it part of your financial plan. An estimated 14.9 million Australian adults (80.8 per cent of the population) gave $12.5 billion to charities and not-for-profit organisations in 2015–16.  …

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SMSF jargon buster!

A quick guide to some technical SMSF terms Self-managed super funds (SMSFs) have become extremely popular in Australia, with more than half a million SMSFs now in existence, and they’re still growing.* You probably already know that superannuation term …

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Self-Managed Super Funds: A Quick Guide

A self-managed super fund (SMSF) allows up to four people to pool their super and take full control and responsibility for managing it as trustees. The sole purpose of the SMSF is to provide benefits to its members on their retirement. Super popular! T …

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Navigating your SMSF route

SMSFs – What you can and can’t invest in SMSFs have become very popular, with more than one million members now representing the fastest growing segment of Australia’s superannuation market.* The main reason for the popularity of SMSFs is the unrivalle …

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Insurance and your SMSF

Insurance and your SMSF You can purchase insurance within your SMSF, and more importantly, the super laws require trustees to consider the insurance needs of members when draing and reviewing the fund’s investment strategy. Considering the insurance n …

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Recent changes to super: are you affected?

You may be aware of the proposed superannuation changes that the Government announced in the May 2016 Federal Budget. Last Thursday, Treasurer Scott Morrison advised that some of these proposed measures have changed. This article will go some way to pr …

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Financial Strategy for the New Year

As the new financial year has just begun, it’s a good time to consider your financial strategy for the rest of the year. Important actions to consider Salary sacrificing into super, while saving on tax, can help you build for retirement If you receive …

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Handling your spouses’ super

Options to consider when handling your spouses’ super when they pass away You can choose to take your spouse’s superannuation death benefit as a lump sum, a pension or a combination of both A lump sum can allow you to pay off debts, whereas a pension p …

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Sequencing Risk

How financial market volatility affects investors at different life stages Many people understand that volatility in financial markets can affect the value of their investments. Taking a closer look at sequencing risk, we will explain how the order of …

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Negative gearing

How does it work and is it a good strategy for you? The recent housing boom in Australia has been driven by both investors and home-buyers. According to the Australian Bureau of Statistics, investment loans hit record levels in June 2015, contributing …

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Investing an inheritance? Consider this…

If you have just received an inheritance, you may be considering different ways to best make use of it. The different choices you have to use and invest this money may seem endless: take a holiday, put it towards your children’s education, pay off your …

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Accessing Your Super Savings

You’ve worked hard, diligently building up your super balance and you’re looking forward to retiring early. To reach that milestone, you will need to understand when you can start drawing from your super. The Australian government puts age and other re …

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Benefits of Contributing to Super

It may be easy to forget the 9.5% that is automatically paid by your employer into your super fund every pay check. However, it’s your money and will play an important role in your financial future. Your super should be one of the biggest assets you ac …

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Hindsight Bias

Introduction After an event has occurred, people often look back and convince themselves that the outcome was obvious and likely, and that they could have predicted it. This is known as ‘hindsight bias’, or the ‘knew-it-all-along’ effect. In actual fac …

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The Power of Compounding

Compounding isn’t a new concept – many of us will remember studying it back in our school days. Legendary scientist Albert Einstein famously called it ‘the most powerful force in the universe’, while American business magnate John D Rockefeller suggest …

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Herd behaviour

Herd behaviour is driven by emotional rather than rational behaviour. Often little attention is paid to investment fundamentals as investors focus on what other people are reacting to in the market. All investors are prone to behaviours and emotions th …

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Cashed Up

When cash is king, choose the best option for you. Hoarding your dollars under the mattress probably won’t have much appeal for many of us. But is it possible you may be doing the modern day equivalent with your current cash investments. The reason the …

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Passive Vs Active Investing

Thoughtful people who are long-term investors must first decide on their investment objectives when deciding between active or passive managed funds. Investing in equities is an increasingly popular method of assisting people to achieve their long-term …

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Ethical Investing

Ethical investing involves much more than most people realize.  It can offer numerous opportunities and benefits for individual investors and those preparing for retirement. So then, what does it mean to invest ethically? The basics investment process …

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Investment Mix

Bonds, property, cash or shares? Choosing an investment mix A little knowledge can go a long way when determining which investments are appropriate for your tolerance to risk, investment goals, timeframe and circumstances. It is therefore important to …

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What To Do With A Windfall

Four tips on what to do with a windfall If you were lucky enough to land a windfall, before you rush off on that long dreamed of holiday, here are four practical considerations: Reduce your debt The most financially sensible thing you could do, is pay …

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Mortgage Paid?

Mortgage paid? Save for the future Now that you’ve paid your mortgage off, here are three ways to start thinking about building wealth for tomorrow:  Invest regularly in managed funds Paying off a mortgage teaches you the healthy financial habit of sav …

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Get The Right Advice

It’s never too late to get the right advice Receiving financial advice from an expert could change your life and give you the peace of mind only a well-constructed plan can bring. A financial adviser may assist in maximising your retirement income and …

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Prospect theory

Prospect theory suggests that humans are non-rational decision-makers, and that losses carry a greater emotional impact than gains. It also explains a key reason for inertia in investment decision-making. Prospect theory is an explanation of human deci …

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The disposition effect

The disposition effect All investors are prone to behaviours and emotions that can lead to poor investment decisions. One of the most common of these is the tendency to sell investments that have risen in value, and hold on to investments that have fal …

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