Author Archives: Rob Wynan

Virtual Currencies – Funny Money or Legal Tender?

Virtual currencies, or cyber currencies, are both a medium of exchange and a store of value, just like traditional money. However, unlike banknotes or coins cyber currencies exist only as digital data stored in computers. Trading in virtual currencies requires membership in an online community connected by appropriate software, with the value usually being determined […]

Traps to Avoid in Retirement – Investing Too Conservatively

This is the second article in the mini series titled: ‘Traps to avoid in retirement’. There’s a common view that as you approach retirement you should tilt your investment portfolio towards more conservative investments. This means favouring things like term deposits, annuities and cash management trusts while reducing exposure to more volatile assets such as […]

Traps to Avoid in Retirement: Going Too Hard, Too Fast

This article is the first in a mini series titled: ‘Traps to avoid in retirement’. This first article details the many choices you have in retirement once you can access your Super and the importance of making the right decisions. Retirement: you’ve made it!  And one of the rewards for all your hard work is […]

Three Steps to Your Kids Financial Success

We all want to give our children a head start in life.  This three-step article will help you to instil sound financial habits in your children by setting the foundations of good money management and savings now. For many of us, our first experience of banking and savings was the school Savings Account Program.  But […]

Tax rules do not treat all income equally

Anyone who has completed their own tax return will know that the tax office treats different types of income differently. Bank interest is recorded in one section, dividends from shares in another and managed fund distributions somewhere else. And unless you are taking a pension or lump sum from your super, you don’t need to […]

Is your business your super?

Many self-employed people view the sale of their business as their retirement fund – their superannuation. So just like ensuring superannuation investments are being well managed, business owners need to plan ahead to ensure their business can continue to provide a reliable income after they retire. One of our new clients, Dale, is a typical […]