Ginsburg Noticeboard
INVESTMENT FAQs
ANSWERS
 | Our 100% rebate of entry commissions is available for super rollover, allocated pension and ordinary investments. |
| Check if you qualify to use this offer by clicking here for more information. Of special note is the fact that you may request a transfer of your existing investments to our adviser code so that you enjoy these rebates for your new contributions. Contact us for a letter of appointment. | |
| Protect the assets that you have, build a fence around them to defend and enhance them before you embark on a fresh strategy. |
So many investors fail to protect what they already have and embark upon hazardous "get rich quick" strategies. They take unusual risks by borrowing substantial amounts in an attempt to obtain a "tax advantage". These risks are high, especially when the loan is substantially dependent upon the ability of the individual to continue earn their regular income from personal exertion. A risky program can easily become unstuck for a number of reasons that should be out in the open before proceeding:
You can insure your income and life but you cannot insure the financial health of your employer, your clients, nor their attitude towards you in tough times. If you own the company that employs you, trauma insurance is essential to your Key Person protection arrangements. Not insuring this risk may prove to be your greatest error. | |
| Your home and your superannuation fund are most probably a major proportion of your asset base. So, have you |
| Your home: Adequately insured it ? Insured the mortgage repayments through your income protection policy ? Insured the capital amount due on the mortgage in the event of a trauma, total and permanent disability or death ? Have you willed your share of it ? Your superannuation: Have you checked that the investment portfolios suit your profile ? Have you appointed your beneficiaries according to your wishes ? Have you considered the tax and protection benefits of paying a pension to your dependants ? Are you using it as a tax effective vehicle for saving ? | |
| Make your own retirement fund as profitable as possible. |
| Obtain a 100% rebate of entry commissions on new contributions. Spread your investments wisely. Avoid exit penalties where possible. If you could minimise your costs and reduce your administration and then invest with a selection of Australia’s most secure and respected fund managers, then you’d have a superannuation plan or managed investment fund that can maximise your potential investment base. | |
| Minimise costs by consolidating your funds. |
| By consolidating you may save multiple policy fees. By having one fund account, it will be easier for you to control and balance your investments providing you have multiple portfolio to choose from. Consolidating investments so that your overall balance is with a single platform yet invested and diversified with multiple investment managers, may entitle you to further rebates. These savings generally commence when your investment balance has reached about $100,000, and increase as the balance increases. Once your balance reaches this level, we can assist you to achieve these savings. Should you wish to appoint us as your representative in order to obtain the same favourable rebate terms for your existing investment contracts or, for other products that you may wish to consider, please contact us. | |
| A few reasons to consider a professionally managed and controlled Superannuation Fund. |
| Economy of costs is achieved by the expenses being shared by many members and employers who use a public offer fund. Taxation and compliance issues are handled by the managers under the care of a professional trustee. Difficult decisions and obligations related to matters that arise on death and disability are the responsibility of the trustees who are experienced in these affairs | |
| You're Leaving Your Job! What about your Superannuation Investment and Insurance benefits ? |
| Consider all options that are open to you. If you choose to transfer to a New Employer’s Fund or your own Personal Superannuation Fund, check up on the fees. You will have most probably already have paid an entry fee. Why pay another entry fee ? Also remember that you may have your money invested in a portfolio that has not performed well. Before you jump ship consider that it may not be wise to move out of the category of investments that you currently have. This may be the next category that is expected to recover. Whilst we do not recommend that you retain a portfolio that has not well, we remind you that you are recommended to carefully investigate this aspect before your move your money. If you are soon to retire, a fund that has a pension division with multiple investment portfolios may offer you the planning opportunities that you require. Insured Benefits: Losing your insurance benefits on termination of service could have the biggest impact on your life. If your health has changed or you are not moving to a new job immediately, you may find that you have exposed yourself and your dependants to tremendous risk. You may have an option available to you to replace the insurance cover that you enjoyed while you were with your employer with an individual policy (or policies) without having to undergo a medical examination. This option may be invaluable to you and your dependents. Take care to act quickly in this regard because the option may expire on the date or shortly after you leave service. Most continuation options expire within 30 days of leaving service. If you have managed to secure a new position, find out whether your new employer has a group life and disability program for their employees. Check these benefits before you let your previous employer’s benefits expire. | |
UNLOCK HIDDEN VALUE
That your employer can most likely arrange life, disability and income protection cover with automatic acceptance for all elegible full time employees, irrespective of health.
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