July 2018

Australian sharemarket still on the rise

Find out why we expect the Australian sharemarket to continue to provide healthy returns for investors in the medium to long term.
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Housing crash unlikely, based on debt levels

Predictions abound that Australian house prices will collapse, causing a banking crisis and economy-wide recession. Of course, forecasts of an impending calamity in Australian housing are nothing new...
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The top 10 estate planning mistakes

People often think they have a very clear idea of what they want to achieve with their estate plan and they usually think it will be straight-forward.  But that's not always the case.  Consider these examples of mistakes which can be unintentionally costly for beneficiaries.
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Aged 65+ and downsizing?  New rule could save you tax.

From 1 July 2018, people aged 65 and over will be able to sell their main residence and then make a ‘downsizer’ contribution into superannuation of up to $300,000 (each) from the sale proceeds of their main residence.
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Why insuring your ability to earn an income can be a prudent strategy

Not many people risk being uninsured when it comes to their car or home. But many choose to not insure their most valuable asset – that is, their ability to earn an income.  This is despite the fact that most people will earn a fortune between now and when they retire.
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What are the maximum contributions to superannuation you can make this financial year?

Here’s everything you need to know about the contribution caps for 2018/19 so you aren’t penalised for breaking the rules.
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Disclaimer: This article is not legal or personal financial advice and should not be relied on as such. Any advice in this document is general advice only and does not take into account the objectives, financial situation or needs of any particular person. You should obtain financial advice relevant to your circumstances before making investment decisions. Where a particular financial product is mentioned you should consider the Product Disclosure Statement before making any decisions in relation to the product. Whilst every reasonable care has been taken in distributing this article, Australian Unity Personal Financial Services Ltd does not guarantee the accuracy or completeness of the information contained within it. Any views expressed are those of the author(s) and do not represent the views of Australian Unity Personal Financial Services Ltd. Australian Unity Personal Financial Services Ltd does not guarantee any particular outcome or future performance. Taxation Information in this document should not be relied upon without seeking specialist advice from a tax professional. Australian Unity Personal Financial Services Ltd ABN 26 098 725 145, AFSL & Australian Credit Licence No. 234459, 114 Albert Road, South Melbourne, VIC 3205. This document produced in November 2018. © Copyright 2018