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Is it better to use a financial advisor or do it yourself?

ETF's, Insights, Investing, News, Super
Money is one of the most important resources you will ever manage.  How you manage it will significantly impact your lifestyle, both now and in the future. So deciding on who gets to help you make decisions about money will be an important consideration. In Australia, you have two options: seeing a financial advisor or managing your…

Changes to super on July 1

Insights, News, Super
As the new financial year approaches, there are several key super changes that may impact your ability to contribute to your superannuation. It’s important that you’re aware of the changes so that you can take advantage of these opportunities to make the most of your nest egg. Superannuation Guarantee (SG) increase The compulsory Super Guarantee…

5 super tax saving strategies

Insights, News, Super, Tax
We’re approaching the end of the financial year and many Australians are scrambling for ways to pay less tax. Here are five tax-saving strategies that you can do with your super that will put more back in your pocket at tax time. 1. Salary sacrifice One of the simplest tax-saving strategies with super is salary…

10 tax tips for getting extra cash this end of financial year

Insights, News, Super, Tax
The end of the financial year is almost here and many Australians are scrambling to find ways to reduce their tax.  While we encourage taking a longer-term, strategic view on tax planning, there are a few quick tax tips for getting extra cash in your back pocket. We highly recommend you seek the services of a…

How to invest in a socially responsible way

ESG, Insights, Investing, News, Super
Most of us genuinely want to do good in the world.  This includes investing in a socially responsible way that is aligned with our values. Here we explain what socially responsible or ethical investing is and how to take control of your investments. The growth in socially responsible investing Many people are trying to live more…

How ethical funds can help de-risk your portfolio

ESG, Insights, Investing, News, Super
Ethical investing was once considered a fringe area within financial markets. But now, investors are starting to understand this approach can help de-risk a portfolio and generate sustainable returns over time. Let’s take a look at the rationale behind ethical investing and one new option for investors to achieve a cost-effective, ethical allocation to the…

7 steps to take control of your money in the new year

Budget, Investing, Super
The new year is an ideal time to create positive change in your life. For many, this includes getting on top of their money and improving their financial position. It’s a busy time for us at Financial Spectrum as we see a lot of people who feel that they can be “doing better” and want…

10 tax tips for getting extra cash this end of financial year

News, Super, Tax
The end of the financial year is almost here and many Australians are scrambling to find ways to reduce their tax. While we encourage taking a longer-term, strategic view on tax planning, there are a few quick actions that you can take now which may help put some extra cash in your back pocket. Here…

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