CAFSG – Quarterly Newsletter – September 2013

Welcome to CA’s Quarterly Newsletter We have a property theme in this quarter’s newsletter – with historically low interest rates, sensational auction clearance rates in Sydney and rising prices, it’s a topic that a lot of clients are keen to talk about. Property is only one small part of an overall diversified investment strategy but […]

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CAFSG – Superannuation Announcement April 2013

Government outlines proposed superannuation changes The Government announced changes it proposes to make to several parts of the superannuation system, including the way certain aspects of super are taxed. The changes are intended to be implemented prior to the next federal election with varying start dates. The final details will not be known until the […]

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CAFSG – Mustard Glazed Christmas Ham

Mustard Glazed Christmas Ham A receipt to make your Christmas joyful and full of goodness.  

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CAFSG – Managing the Family Budget

Family finances: How to get on top of it Want more financial security and better control of your family’s finances? Here’s a look at what you could do to prioritise and plan to make your hard-earned money go the distance.   

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CAFSG – Who’s looking after you?

Take ‘super’ care of yourself While you’re looking after the kids, who’s looking after you? Find out how to minimise a super shortfall and, better yet, boost your super. According to the Association of Superannuation Funds of Australia a three-year break from the paid labour force, say five years into a career, can lead to […]

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GFC vs. Previous Bear Markets

Find attached a comparison between the recent Global Financial Crisis (GFC) against other past bear market periods and volatile times.

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CAFSG – Salary Sacrifice

Building your retirement savings in a tax-effective manner. Salary sacrifice involves giving up some or all of your before-tax salary in exchange for increased employer superannuation contributions. The amount salary sacrificed will be taxed at 15% rather than at your personal tax rate (up to 46.5%). This will reduce your total tax payable. In addition, […]

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Great expectations – and the great funding mismatch – Australian Super System

MACQUARIE INVESTMENT MANAGEMENT – MIM Insight July 2012 SUMMARY: Human nature always seeks out something for nothing and is strangely persistent in believing that this is possible. People instinctively look for a way to save for the future that also allows them to spend their money now. In Australia, this seems to translate to individuals […]

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