Do I still need insurance?

Published: April 8, 2016

When you have a new mortgage and dependent children, the need for personal insurance is clear. But as the kids become independent and your mortgage shrinks, you might feel that you no longer need the same level of protection. Before you cancel all your policies, it’s important to understand why you still need a financial […]

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5 ways to make technology your best friend

Published: April 8, 2016

From banking and shopping, socialising and working, technology is part of our everyday lives. So, if you’re still struggling to keep up it’s time to master the computer in your pocket — – and start enjoying all the benefits it can offer. Here are five must-know tips to help even the most technophobic take control: […]

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3 types of insurance you need today

Published: April 8, 2016

It’s easy to put off thinking about your personal insurance while you’re young and healthy. But the truth is, we never know what’s around the corner – and with around half a million Australians hospitalised each year due to injury[1], it’s worth thinking ahead about how you and your loved ones would manage financially if […]

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The oil revolution: what’s happened and where’s it heading?

Published: April 7, 2016

by Katie Whiffen, Portfolio Specialist, MLC. March 2016 So what’s been happening? Over the past decade, fuelled by growing demand as China and India upped their industrial needs, and due to well regulated supply from OPEC, oil prices rose. Since the ‘70s OPEC has had energy prices at their mercy, using their cartel strength to […]

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Many Australians are banking on government support in retirement

Published: April 4, 2016

Many Australians are not confident they have enough assets to support their retirement, according to research from IPSOS and MLC, the Australia Today report, with 43% saying they will need to rely on support from the Australian Government. Among lower income earners, (social grade DE, with annual household income of $33,000), 62% agreed they would […]

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SuperStream for employers

Published: March 29, 2016

What is SuperStream? SuperStream is a set of government measures designed to improve the efficiency of superannuation transactions between employers and super funds. SuperStream introduces the following benefits: timely electronic processing of transactions improved cost and time efficiencies for employers and super funds fewer lost and duplicate accounts, and faster allocation of money to member […]

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How to avoid investment behavioural traps

Published: March 22, 2016

 Investment markets can be unpredictable. Just when you get used to enjoying a prolonged period of strong returns, suddenly you can be faced with a wild share market rollercoaster and begin wondering whether you should get off. Consistently strong investment markets can breed overconfidence, and tempt investors into taking undue risk. At the other end […]

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Are women smarter investors than men?

Published: March 8, 2016

Men are the best investors. Or so Hollywood tells us. “Greed is good,” Michael Douglas’ Gordon Gekko famously announced in Wall Street, immortalising the notion that brash, testosterone-fuelled risk taking is the key to investment success. The problem is – it isn’t true. Women make wiser long term investment decisions and outperform men overall. Why? […]

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Super or the mortgage?

Published: March 7, 2016

Why super? There are two key reasons why topping up your super could be a better option. The first is that home loan repayments are usually made with after-tax money. Alternatively, super contributions can be made with pre-tax dollars (if you’re an employee) or claimed as a tax deduction (if you’re self-employed and meet other […]

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At the heart of an investment portfolio

Published: February 29, 2016

ETF investors following a classic core-satellite strategy hold the core of their portfolios in index-tracking ETFs. Such investors then hold the remainder of their portfolios in smaller "satellites" of selected direct investments and actively-managed funds. The core-satellite approach using ETFs can be applied to a single asset class or to a range of ETFs covering […]

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