Investment earnings on super
To help me make an informed decision on my best option can you
explain in fairly simple terms how I might estimate the investment
earnings on super held in a balanced fund?
Changing Investment Strategy
Our financial adviser has recommended a change in investment
strategy from managed wholesale funds to asset class and index
investing. Do you agree?
Super or mortgage?
We're a couple with young kids. Should we be trying to reduce our
mortgage or adding to our super?
What next?
We really need capital and I am unsure what to do. Any suggestions?
Managed fund
I have been advised that I need to transfer my managed fund to a
margin loan to be held as security. Will this involve any taxation
or other issues I need to consider?
First time investing
I am 24 with savings I'm ready to invest. Should I see a financial
planner or an accountant or both for advice?
Investing during retirement
What is the most tax-effective way to invest my elderly mother's
money while allowing her to maintain full Centrelink concessions?
Managing investments
As our stocks have no debt and the mortgage is not tax deductible,
should we sell the shares and pay down mortgage?
Retirement nest egg
We have $110,000 and are undecided as to the best way to grow this
money for our future retirement. What would be your
recommendations?
Investment plan
Which is financially more advantageous, in both the short and the
long term - investing in shares, home ownership, or an investment
property?
Foreign Shares
Do foreign shares received from an estate still have a deemed cost
base?
Funeral bonds
In a recent article you mentioned funeral bonds as a way of
maximising pensions. Where can I find out about and buy funeral
bonds?
Using equity to invest
What would be the best way to invest my home equity and receive a
decent yearly return?
Total and permanent disablement
My husband was insured for Total and permanent disablement
(TPD)insurance prior to his death and has received settlements. Do
I need to pay the taxes?
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?
Each week financial advisor Noel Whittaker answers your
questions.
