Superannuation
Key Investment Themes in 2021 and Lessons Learnt from 2020
A global pandemic, followed by a swift response from Government, community and industry had a big impact on Australian retirees and investors in 2020.
A lot of changes came in the form of acceleration or disruption. But perhaps the big changes might still be ahead of us in the form of new possibilities.
Here’s a short summary of the key themes we think will dominate the next 12 months and beyond.
2020… What Happened? From ‘Armageddon’ to ‘Not Bad’ for Australian Investors
There were big differentials in share market performance around the world. Australian shares underperformed against broader global markets despite a less severe progression of COVID-19 compared to North America and Europe. Overall though, it was not a bad outcome for the Australian share market and client superannuation balances considering early forecast for the ’end of days.’
Read More7 Reasons Why You Should Employ the Services of a Financial Adviser
How can a financial adviser add value on your path to retirement?
In this article we provide some hard facts and figures on the subject courtesy of investment research firm, Vanguard.
Am I Better Off Holding Cash During Market Turmoil
Am I Better Off Holding Cash During Market Turmoil? In this article we consider four investor scenarios and look at the true cost of cash.
Read MoreYou might stop working but your money doesn’t
Record low interest rates make retirement planning difficult. And low returns from defensive asset classes traditionally favoured by retirees—like term deposits—are making the situation even more dire.
With more and more retirees forced to dip into their retirement capital to meet the rising costs of everyday expenses, it’s more important than ever to understand how to protect your retirement income.
Your Pre-Retirement Checklist: 7 Things ‘To Do’ Before Retirement
The team at Muirfield Financial Services has more than 30 years’ experience guiding hard-working Australians onto the retirement runway. Consider checking off these items to make the most of your retirement.
Read MoreHow Much Money Do You Need for A Comfortable Retirement?
This question is one of the most popular for would-be retirees. And the answer? Well, it depends.
You could see that coming. But it’s probably not as much as you think.
Retirement income flexibility
To assist retirees in preserving wealth within the tax-effective super system the Government has halved the minimum required payment rate from Account-based Pension accounts.
Read MoreCarry Forward Concessional (tax deductible) Contributions
They say there are two certainties in life, death and taxes. While Muirfield can’t help when the Grim Reaper comes knocking, we might be able to help save you some tax along the journey
Read MoreHow much should you take from your Super each year?
One of the greatest challenges for retirees in Australia relates to the management of their retirement income. Unfortunately, the adage to ‘spend less than you earn’ doesn’t always work for retirees.
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