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Investment property
We are making extra payments each month for our investment property so that we can have it paid off as soon as possible, but people tell us we are silly to pay it off so fast. What do you think?

Property or managed funds?
I have been thinking about buying an investment property, but feel that a margin loan directed towards managed funds would give me greater flexibility, and returns vs. risk, at the moment. What is your opinion?

Investing an inheritance
I am about to inherit approximately $500,000 and want some advice on how best to invest it.

Profit from property sale
Is it better for us to invest the profits from the sale of our investment property entirely in a term deposit or in the loan offset account and the balance in the term deposit?

How to invest
Could you guide us as to the best way to invest our money and reduce tax at end of financial year?

Discretionary trust
I am now in a discretionary trust - can you tell me what my responsibilities are?

Debt transferal
Is there a way of transferring the debt from our family home to either our investment property or against our share portfolio, so the interest can be deductible?

Superannuation
Now that I'm retired can I pull my money out of super and put it into a term deposit earning 6.5%?

Debt arrangements
Should I be trying to maximise my deductible debt and minimise my non deductible debt?

Super rules
What kind of control do you have over how you access your super once you have retired?

Inflation linked government bonds
How can I buy inflation linked government bonds with my present funds?

Investment options
Based on the success rates of the past years, should one choose cash as their investment option?

Investing in Gold
Is now the time to invest in gold?

Renting out
I would like to rent out my residence I have lived in for a year. What would the implications be?

Super to stocks
Is it possible to withdraw from your super to start trading the stock market?

Investing - what next?
I am confused as to whether I should just focus solely on my mortgage or look at equity to invest in property, buy shares, or contribute extra to my super.

Inherited money
I have received a $65,000 inheritance. What would you suggest is the best way for us to invest this amount?

Property market rise
I was waiting for a property market drop, but it has now risen. How do I work out the best time to buy?

Loss in shares
The company I have shares in are now showing a loss. Can I sell my shares and claim a tax loss?

Super shuffle
Is it the right time to move my super from cash only to a share fund or balanced portfolio?

Running a farm
My husband and I operate a small farm as a partnership. What amount would we have to turn over before we can claim any tax deductions against our individual taxation claims?

Buying property
I have $200k profit from the sale of my property and intend to buy again next year - what would be the best strategy for investing this money?

Shares for a minor
I am 14 years old and I'd like to invest in shares, any advice?

Managed fund
Could you recommend a managed fund to start investing in?

Finding a financial adviser
My husband and I have been looking into the feasibility of starting a self-managed super fund. Is there a way to find a financial adviser who specialises in this?

Super funds
Can you suggest a super fund with low fees?

Selling property
Can I still claim a tax deduction on a house I sold at a loss this year compared to the purchase price over 25 years ago?

Profit from property sale
Is capital gains tax payable if I put the profit from the sale of my property into super?

Inheritance
I have received an inheritance of shares and cash. Can you suggest the best way to manage and grow this money?

Transition to Retirement
Assuming a transition to retirement is in place commencing 1st July 2009, what are the rules regarding payment frequency?


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Each week financial advisor Noel Whittaker answers your questions.

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