Life insurance is a vital part of protecting your investments and preparing for the future. Here’s a guide to the different coverage options available and some insights as to which type suits which person.

Managed discretionary accounts (MDAs), separately managed accounts (SMAs) and individually managed accounts (IMAs) are all managed investment vehicles with some similarities but plenty of differences.

The Pension Loans Scheme enables retirees in Australia to ‘liquidate’ their assets by getting a voluntary, non-taxable, fortnightly government loan using their residential homes as security.1 These loan payments can supplement other retirement income they may have, such as the age pension and superannuation entitlements. The Pension Loans Scheme is essentially a government reverse mortgage scheme.

We continue our series on the government benefits all retirees should know about. There are a variety of government benefits that you can potentially access in retirement. It’s important to be aware of them and to claim all your entitlements.

There are a variety of government benefits that you can potentially access in retirement. It’s important to be aware of them and to claim all your entitlements.

There are a number of trends that will affect when you’ll be able to retire in Australia, as well as how you’ll spend your retirement. We’re living in a period of rapid economic, social, and demographic change that is affecting us now and it will continue to affect us well into the future. It seems change is the only constant in these turbulent times.

While lacking the sex appeal of direct equities and the familiarity of property, annuities can play an integral role in solving the funding issues faced by many retirees today.

When deciding to skew your return focus in favour of growth or income, it is critical to look at your tax environment.

Portfolio construction is a dynamic concept that should vary from person to person to match their investment preferences and goals. For the average Australian, most of their investment wealth will be held within superannuation that more often than not will be split primarily between stocks and bonds.

As one of the top three retirement killers, it consistently surprises me how widely misunderstood and underestimated the impact of volatility is.

First and foremost, without financial security, decisions are made by others. Your lifestyle in retirement may be decided by the age pension. Your ability to assist others could be a direct concession on your own quality of life.

Since April 2017, thousands of UK expats living in Australia have successfully transferred their UK pension to Australia. With over 1.2m UK expats currently residing in Australia, this remains one area that without doubt needs more attention from both advisers and investors alike.