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Intergenerational Wealth – September 2017 Newsletter

September 2017

Welcome to the latest edition of our client newsletter,

Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want, now and in the future.

In this edition we discuss six traits of Australians living the dream and provide you with information on money can buy you happiness, you’re just spending it wrong and planning is the key to making it financially.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate to contact us.
In the meantime we hope you enjoy the read.

All the best,
Emilio and the team at Intergenerational Wealth

All the best,
Emilio and the team at Intergenerational Wealth

 

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Intergenerational Wealth – July 2017 Newsletter

July 2017

Welcome to the latest edition of our client newsletter.

Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want, now and in the future.

In this edition we discuss what’s your debt age and provide you with information on what financial records I need to keep and why goals succeed where resolutions fail.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate to contact us.

In the meantime stay warm and we hope you enjoy the read.

Intergenerational Wealth – July 2017 Newsletter

All the best,
Emilio and the team at Intergenerational Wealth

 

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Intergenerational Wealth – June 2017 Newsletter

June 2017

Welcome to the latest edition of our client newsletter.

Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want, now and in the future.

In this edition we discuss watch out for tax scams and provide you with information on it pays to contribute to your partner’s super and the door is closing on super’s current caps.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate to contact us.

In the meantime stay warm and we hope you enjoy the read.

Intergenerational Wealth – June 2017 Newsletter

All the best,
Emilio and the team at Intergenerational Wealth

 

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Intergenerational Wealth – May 2017 Newsletter

May 2017

Welcome to the latest edition of our client newsletter,

Our articles cover a range of topics which we hope you will find interesting. We aim to
keep you informed of changes as they happen, but we also want to provide ideas to help
you live the life you want, now and in the future.

In this edition we discuss Safeguard your ability to pay off your home loan and provide you
with information on Five tax deductions to know about, and Five, four, three… it’s not too
late to get more in super.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate
to contact us.

In the meantime stay warm and we hope you enjoy the read.

Intergenerational Wealth – May 2017 Newsletter

All the best,
Emilio, and the team at Intergenerational Wealth

 

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Intergenerational Wealth – April 2017 Newsletter

April 2017

Welcome to the latest edition of our client newsletter,

Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want, now and in the future.

In this edition we discuss The future of money and provide you with information on Beware SMSF property spruikers and A digital life after death.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate to contact us.
In the meantime enjoy the beautiful Autumn weather ahead and we hope you enjoy the read.

Intergenerational Wealth – April 2017 Newsletter

All the best,

Emilio and the team at Intergenerational Wealth

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Intergenerational Wealth – March 2017 Newsletter

March 2017

Welcome to the latest edition of our client newsletter.

Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want – now and in the future.

In this edition we discuss Estate planning and why you need a super plan and provide you with information on Give your career a health check and The door is closing on super’s current caps.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate to contact us.

In the meantime, enjoy the warm weather and we hope you enjoy the read.

Intergenerational Wealth – March 2017 Newsletter

All the best,

Emilio and the team at Intergenerational Wealth

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The clock is ticking, superannuation changes effective 1 July 2017

The clock is ticking, superannuation changes effective 1 July 2017

Changes to the superannuation rules will come into play on 1 July this year. This is an opportunity for you to consider your circumstances and if it is right for you, you could make the most of the current rules that have larger contributions caps.

As of 1 July 2017, the non-concessional contribution cap drops from $180,000 per annum to $100,000 per annum, which means you won’t be able to put as much into your super as you can right now.

Also, the other thing to be aware of is that from the new financial year, if the total balance of your super accumulation and income streams is over $1.6 million, you won’t be able to make any more non-concessional contributions.

You could be eligible to top up your super by up to $540,000

If you’re under age 65, you could also bring forward three years’ worth of after-tax super contributions up to a maximum of $540,000. This is significantly higher than the $300,000 limit that will apply from 1 July 2017.

What else you need to know

An important reminder is that if you contribute more than these caps, you may have to pay extra tax. Also, once your funds are invested in super, you need to meet a condition of release such as retirement, to get access to the funds. The value of your investment in super can go up and down. Before making extra contributions to your super, make sure you understand and are comfortable with any risks associated with your chosen investment option.  It’s important that you speak to an expert about how these changes will impact you before making any financial decisions.

How can you make the most of current superannuation rules?

These are important decisions and you need to consider your own circumstances and assess what the best outcome is for you. We are here to help. Speak to us before the 30 June 2017 deadline to find out how these super changes might affect you.

For further information, please refer to the link below.

Non Concessional Cap opportunity before 1 July 2017

 

Yours sincerely,

Emilio Bangit

Authorised representative of Charter Financial Planning Limited

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Intergenerational Wealth – February 2017 Newsletter

February 2017

Welcome to the latest edition of our client newsletter,

Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want – now and in the future.

In this edition we discuss Should you own the roof over your head and provide you with information on What’s your biggest obstacle to financial success and Get ready for the first year of retirement.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate to contact us.

In the meantime enjoy the beautiful Summer weather ahead and we hope you enjoy the read.

Intergenerational Wealth – February 2017 Newsletter

 

All the best,

Emilio and the team at Intergenerational Wealth

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December 2016 Snapshot – The Australian housing market

The Australian housing market – surging unit supply, the economy and what it all means for investors

Housing matters a lot in Australia. Having a house on a quarter acre block is part of the “Aussie dream”. Housing is a popular investment destination. And the housing cycle is a key component of the economic cycle and closely connected to interest rate movements. But in the last 15 years or so it has taken on a darker side as a surge in house prices that started in the late 1990s had led to poor affordability and gone hand in hand with surging household debt.

Key points

  • Expensive housing and high household debt leave Australian housing vulnerable. But without a recession or much higher interest rates a property crash is unlikely.
  • However, the surging supply of apartments and the continuing strength of the Sydney and Melbourne property markets pose an increasing risk. Average dwelling prices in these cities are likely to see another cyclical 5-10% price downswing around 2018, with unit prices in oversupplied areas likely to decline 15-20%.
  • The combination of high house prices, huge gains in Sydney and Melbourne, low rental yields and a coming surge in the supply of apartments mean property investors need to be careful. Best to focus on undersupplied, less loved parts of the property market.

december-2016-snapshot-the-australian-housing-market

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Intergenerational Wealth – December 2016 Newsletter

December 2016

Welcome to the latest edition of our client newsletter,

Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of changes as they happen, but we also want to provide ideas to help you live the life you want – now and in the future.

In this edition we discuss Don’t want to work full-time and provide you with information on Five tips for happy, healthy aging and Blinded by optimism.

If you would like to discuss any of the issues raised in this newsletter, please don’t hesitate to contact us.
In the meantime enjoy the beautiful Summer weather ahead and we hope you enjoy the read.

intergenerational-wealth-december-2016-newsletter

All the best,
Emilio and the team at Intergenerational Wealth