Author Archives: David Siostrom

Super Contribution Opportunities for 2019/20

Legislation changes apply from 1st July 2019 that provide some people with an opportunity to contribute more to superannuation than previously possible. Work Test Exemption Allows certain people aged 65-74, to make a once-off contribution in the year following the year in which they last met the “work test”. One qualifier is that the person’s […]

Considering Investment Alternatives to Property

Why is property such a popular option for Australian investors? Property is something people tend to be more comfortable with as an investment because it’s a tangible commodity and they’re more familiar with what’s involved in buying and owning real estate. When I talk to many clients about buying shares, they often don’t understand the […]

The Royal Commission:What does it mean for you?

The Royal Commission has handed down 76 recommendations, all of which the Government intends to implement. However, the new regulations will be debated in parliament and could take several months to enact. Essentially, the focus of the recommendations is on having all financial institutions and advisers put their clients first as a priority and to […]

Borrowing to Invest in Property or Shares

In this article, experts discuss the pros and cons of borrowing to invest in property or shares. At a recent NAB webinar, prominent finance commentator Noel Whittaker, REA Group Chief Economist Nerida Conisbee and NAB Equity Lending Head of Sales Craig Saunders discussed the principles and options of borrowing to invest. Why borrow to invest? […]

Key Issues for 2019

Here are some of the key issues likely to shape decisions in 2019. Investment Markets In the second half of 2018, share and residential property markets have fallen by around 10%. Rising interest rates in the USA, US/China trade tensions and already expensive prices in some markets, is causing stress for investors. In Australia, high […]

Why you need an Enduring Power of Attorney

As our population ages, so do more people loose their capacity to make legal decisions. However, a properly executed “enduring power of attorney”, allows a person (donor) to appoint a “personal legal representative” (LPR) to make decisions on their behalf, even if the donor looses their “legal capacity”. This avoids the costs incurred when seeking […]