Posts by Andrew Torney

Mortgage Terms Explained

Owning a property is the Great Australian Dream.  Home-ownership is perceived to be the pathway to a better life, one full of success and security. While we all want a part of this dream, for most potential homeowners the only way to enter the property market involves borrowing funds. When sourcing the best mortgage for…

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Got Spare Cash? Moves for the Savvy Investor

Should you be in a position to, you might find yourself asking “What should I do with any spare income I have”? While there are many options available, some, such as taking a holiday or buying yourself new clothes, gadgets or a car are great for your enjoyment; you might want to consider making some…

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Downsizing Your Home & The New Super Contributions

In retirement, we often speak to clients who want to downsize their home. Whether it’s because the children have long since moved on and extra bedrooms are no longer required, the maintenance of the garden is becoming an issue or simply to free up capital to supplement retirement income there are many reasons to consider…

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State of the Market

There has been a lot of doom and gloom in the media lately about the recent fall in the sharemarket. Headlines such as “ASX loses $56 billion as investors join global stock rout” (The Age – 6 February) and “Aussie Sharemarket Bloodbath” (Herald Sun – 6 February) would have made any investor nervous. However, we…

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The award winning fund in your account!

Our clients with MLC accounts will be pleased to learn that one of the underlying funds in their portfolios has won an award! The MLC Inflation Plus fund, which is a staple in the MLC portfolios we maintain for many of our clients, was voted the best fund in the “Multi-Asset Real Return category” at…

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Investment Update: Sept 2017

The Muirfield Financial Services Investment Committee recently completed its half-yearly update. As such, we thought it would be a good time to reiterate some of the investment philosophies that we use when making investment decisions on client portfolios. We believe this is particularly relevant given the recent volatility in markets as a result of North…

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Superannuation Reform Seminar

On 12th May, 2017, Muirfield held a public seminar to educate individuals on the implications of the Superannuation changes taking effect in July 2017. If you would like to review the presentation we have attached a copy here. If you have questions regarding the changes please do not hesitate to contact our office on 03 5224 2700.

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Redundancy. What Next?

Being made redundant is never easy. However, if you are made redundant it is important you Seek Financial Advice from a professional to ensure all important financial options are considered. Things worth reviewing include taxation, superannuation, insurances, Centrelink entitlements, and investments & cashflow. A summary of each is outlined below:

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Spring Clean Your Finances!

It’s that time of the year! Spring is here and the weather is finally starting to get warmer and the sun is shining for longer (even if it doesn’t feel like it at times).   The one part of spring many of us dread is being forced to crawl out from under our cosy blankets,…

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