All posts by Max Pagnin

The Importance of International Share Exposure

Written by on February 5, 2015

I would like to share some insight into investing in international shares as part of a long-term diversified portfolio. You may not be aware, but the Australian share market only represents around 2% of the total capitalization (market value) of world equity markets. There are over 13,000 listed […]

Centrelink Rule Changes for Account Based Pensions!

Written by on February 5, 2015

As part of the ongoing Centrelink and superannuation reforms, the Government has extended the Centrelink deeming rules to superannuation account based pensions commencing after 1st January 2015. This means that account based pensions will be treated as a financial asset and deemed under the income […]

Salary Sacrificing Into Super

Written by on February 5, 2015

You may have previously heard of the term ‘Salary Sacrifice’ and wondered what it’s all about? Essentially, salary sacrifice involves giving up some of your pay and putting it into your super instead, which will save tax and helps boost your super. You’re effectively asking your […]

How Much Super Do I Need for a Comfortable Retirement?

Written by on February 5, 2015

One of the questions we often get asked by our clients is “How much super do I need for a comfortable retirement?” The answer to this question depends on each individual’s lifestyle needs. For example, if you’re planning to do a lot of overseas travel in retirement then you would need a […]

The Importance of Nominating a Beneficiary

Written by on July 11, 2014

What is a nominated beneficiary? A nominated beneficiary is typically a dependent or adult relative who has been nominated to receive a death benefit upon the death of a member or policy owner (superannuation, pension accounts or life insurance death benefit). If you’re aged 18 and over, you […]

Mortgage Protection Insurance vs. Income Protection Insurance

Written by on March 24, 2014

When people are considering the importance of income protection, some people believe that they have already taken out an income protection policy with their mortgage. However, after taking a closer look, they actually have mortgage protection insurance and not income protection. It is inevitable […]

The Importance of Budgeting

Written by on March 12, 2014

Budgeting is the process of creating a plan to spend your money. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. If you don't have enough money to do everything you would like to do, then […]

The pitfalls of buying life insurance online

Written by on November 21, 2013

What are some of the pitfalls of buying life insurance online?Most online insurance providers promote the simplicity of applying for life insurance online – no blood tests or medical exams, a handful of medical and pastime questions, and the policy can then be issued instantly. Nice and easy with […]

Paying your mortgage with your super

Written by on November 21, 2013

Can I pay off my mortgage with my super? Superannuation is subject to special access rules called preservation. What this means is that you cannot access your super benefits until you retire after a certain age, or you satisfy another condition of release such as permanent disability or severe […]

Trauma Insurance – can you afford not to have it?

Written by on November 21, 2013

What is Trauma insurance? Trauma insurance (also known as Critical Illness insurance) provides a lump sum upon the diagnosis of a serious medical condition. Whilst many of us may have private health insurance, the full cost of seeking specialist treatment for a serious illness is usually not […]