Term deposits not paying their way? – March 2015

An article from Ben Brockhurst – our resident equity specialist

Term deposits not paying their way?

If you’re frustrated with the current term deposit rates – you are not alone. Many disgruntled investors have seen their income eroded as term deposit rates have consistently fallen from above 8% in 2008.

A couple of weeks ago the Reserve Bank of Australia (RBA) cut rates again to 2.25% – which is the same rate as inflation. Many economists are predicting further rate cuts in the months ahead.

Given these tough fixed interest conditions – your term deposits yield is merely keeping you in line with inflation – as long as you don’t spend it, or, pay any tax on it, or, see rates cut even further.

Bridging the knowledge gap to bring peace of mind – March 2015

A word from KSR Wealth – our financial planning specialists

Bridging the knowledge gap to bring peace of mind – March 2015

It makes financial sense to take out life insurance. However, we know that this alone is not compelling enough for most Australians to actively take out cover. With this in mind, it is increasingly important to remember the emotional reasons why many clients want life insurance.

The 1 April salary packaging trap – March 2015

The 1 April salary packaging trap

Why a tax on high income earners will disadvantage many with salary packaging agreements.

In last year’s Budget, the Government introduced a 2% ‘debt tax’ on high income earners – the temporary budget repair levy. Unlike many other announced Budget changes, the debt tax bill passed Parliament in record time – 12 sitting days with no amendments.

While the debt tax itself only directly affects those with taxable income above $180,000, there are a number of other tax changes that came in with the debt tax that affect everyone else.

Should your business bring in investors? – March 2015

In the company of strangers: should your business bring in investors?

Sometimes the difference between a good business and a great business is simply having sufficient capital to execute your business plan. For many businesses, the owners have put everything they have into growing the business but there is still a gap. Investors offer an opportunity to close that gap but at what cost?

How do you know you need investors?

Case Studies – First Point Group – March 2015

First Point Group – Your Partner For Finance – March 2015

First Point Group are our in-house, highly experienced Finance Broker group holding an Australian Credit Licence Number 385369.

First Point Group specialise in all types of Home Loans, Business / Commercial Loans, Motor Vehicle & Asset Finance.

Here are two examples of some recent happy clients: