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# EPG Wealth

## Sitemaps

- [XML Sitemap](https://epgwealth.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [The One Thing That Costs Australians the Most: Inaction](https://epgwealth.com.au/the-one-thing-that-costs-australians-the-most-inaction/) - Wealth Building | EPG Wealth The One Thing That Costs Australians the Most: Inaction Not fees. Not tax. Not market crashes. The single largest drag on wealth in this country is the decision people never get around to making. Published September 2026 | epgwealth.com.au | General information only — see important disclaimer below Important: general
- [Why Property Is Not the Safe Bet It Once Was - Detailed](https://epgwealth.com.au/why-property-is-not-the-safe-bet-it-once-was-detailed/) - Australian residential property has long been considered a guaranteed path to wealth. But the full picture in 2026 tells a more complex story.
- [Why Property Is Not the Safe Bet It Once Was](https://epgwealth.com.au/why-property-is-not-the-safe-bet-it-once-was/) - Property feels safe. But liquidity, cashflow, debt risk and proposed tax changes tell a different story. EPG Wealth unpacks the full picture.
- [Why Bonds Are Holding Your Portfolio Back](https://epgwealth.com.au/why-bonds-are-holding-your-portfolio-back/) - Most pre-retirees hold too many bonds and don't realise it. EPG Wealth explains why bonds drag on long-term returns — and what we do instead.
- [How to Supercharge Your Super in the 5–15 Years Before Retirement (Comprehensive Deep Dive)](https://epgwealth.com.au/how-to-supercharge-your-super-in-the-5-15-years-before-retirement-comprehensive-deep-dive/) - 5–15 years from retirement? Learn how to maximise super, reduce tax and structure your strategy to improve long-term retirement outcomes.
- [Supercharge Your Super in the Years Before Retirement (Concise Summary)](https://epgwealth.com.au/supercharge-your-super-in-the-years-before-retirement/) - 5–15 years from retirement? Learn how contribution strategies, investment allocation and timing decisions can significantly impact your outcomes.
- [Division 296: The New $3 Million Super Tax Is Now Law](https://epgwealth.com.au/division-296-the-new-3-million-super-tax-is-now-law/) - Division 296 is now law. Learn how the new $3M super tax works, who it affects, and key considerations for high-balance Australians.
- [Using Internal Gearing to Enhance a Debt Recycling Strategy](https://epgwealth.com.au/using-internal-gearing-to-enhance-a-debt-recycling-strategy/) - Learn how internally geared investments can complement debt recycling by increasing growth exposure while maintaining portfolio liquidity.
- [Should You Pay Off Your Mortgage or Invest?](https://epgwealth.com.au/should-you-pay-off-your-mortgage-or-invest/) - Should you pay off your mortgage or invest? Learn the long-term trade-offs and how investing while repaying debt may impact wealth outcomes.
- [Debt Recycling Australia: How the Strategy Works, Benefits, Risks and Real-Life Examples](https://epgwealth.com.au/debt-recycling-australia-how-the-strategy-works-benefits-risks-and-real-life-examples/) - Learn how debt recycling can convert mortgage debt into investment debt, build wealth earlier, and potentially improve tax efficiency in Australia.
- [The Investment Balance Many Australians Get Wrong](https://epgwealth.com.au/the-investment-balance-many-australians-get-wrong/) - Learn why holding too much cash or being fully invested can both hurt returns, and how balanced portfolios improve long-term investment outcomes.
- [How to Check Your Investment Strategy (And Make Sure It’s Still Right for You)](https://epgwealth.com.au/how-to-check-your-investment-strategy-and-make-sure-its-still-right-for-you/) - Review your investment strategy, asset allocation and risk to improve tax efficiency with structured, personalised advice from EPG Wealth.
- [Risk Profiling & Asset Allocation in Australia: How to Ensure You’re Taking the Right Level of Investment Risk](https://epgwealth.com.au/risk-profiling-asset-allocation-in-australia-how-to-ensure-youre-taking-the-right-level-of-investment-risk/) - Understand your risk profile and asset allocation to align investment strategy with your goals, time horizon and retirement objectives.
- [How to Structure Your Super Before You Retire (Not After)](https://epgwealth.com.au/how-to-structure-your-super-before-you-retire-not-after/) - How to structure your super in the five years before retirement, including spouse equalisation, TBC planning and tax-efficient pension sequencing.
- [The Most Costly Mistake When It Comes to Creating Wealth](https://epgwealth.com.au/the-most-costly-mistake-when-it-comes-to-creating-wealth/) - Delaying superannuation optimisation can cost high-income Australians hundreds of thousands. Learn how early action improves long-term retirement outcomes.
- [Australia’s Great Wealth Transfer: How EPG Wealth Helps You Make It Work](https://epgwealth.com.au/australias-great-wealth-transfer-how-epg-wealth-helps-you-make-it-work/) - Australia’s great wealth transfer explained, with practical guidance on tax-aware estate planning, superannuation strategies and wealth planning.
- [Downsizer Contributions in 2025–26](https://epgwealth.com.au/downsizer-contributions-in-2025-26/) - Downsizer contributions in 2025–26 for high-balance pre-retirees, covering TBC interaction, TSB planning and tax-efficient structuring.
- [High Super Balance Retirement Strategy](https://epgwealth.com.au/high-super-balance-retirement-strategy/) - Advanced pre-retirement planning for Australians with $1.5m+ in super, covering TBC, contributions, tax leakage and pension structuring.
- [How Much Super Is Enough to Retire Comfortably? (2026 Guide for High-Income Australians)](https://epgwealth.com.au/how-much-super-is-enough-to-retire-comfortably-2026-guide-for-high-income-australians/) - How much super you need to retire comfortably in Australia, with guidance on income targets, tax strategy, sequencing risk and retirement planning.
- [Pre-Retirement Planning in Australia: Strategies for High-Balance Super Investors (2025–26)](https://epgwealth.com.au/pre-retirement-planning-in-australia-strategies-for-high-balance-super-investors-2025-26/) - How pre-retirement super planning can improve tax outcomes, pension structuring, and lifetime retirement income for Australians.
- [Non-Concessional Super Contributions – Rules, Limits and Advanced Planning Strategies](https://epgwealth.com.au/non-concessional-super-contributions-rules-limits-and-advanced-planning-strategies/) - Understand non-concessional super contributions, caps, bring-forward rules, and common traps that can impact retirement and estate planning.
- [Concessional Super Contributions – How They Really Work (and How to Use Them Strategically)](https://epgwealth.com.au/concessional-super-contributions-how-they-really-work-and-how-to-use-them-strategically/) - Learn how concessional super contributions work, key caps and rules, and how smart tax strategies can improve long-term retirement outcomes.
- [Understanding Superannuation Contributions in Australia: A Practical Guide for Building Long-Term Wealth](https://epgwealth.com.au/understanding-superannuation-contributions-in-australia-a-practical-guide-for-building-long-term-wealth/) - Understand superannuation contributions, tax strategies and caps, and how smart planning can improve retirement outcomes with EPG Wealth.
- [Wrap Portfolio vs Industry Funds: Which Is Right for You?](https://epgwealth.com.au/wrap-portfolio-vs-industry-funds-which-is-right-for-you/) - Industry super funds vs wrap portfolios explained—fees, control, transparency, and who each option suits when building long-term wealth.
- [Are Bonds Truly Safe? A Look at Long-Term Performance](https://epgwealth.com.au/are-bonds-truly-safe-a-look-at-long-term-performance/) - Bonds aren’t as safe as many believe. Learn how inflation, interest rates, and opportunity cost can erode wealth and threaten retirement outcomes.
- [Superannuation vs. Investment Accounts: Where Should Your Next Dollar Go?](https://epgwealth.com.au/superannuation-vs-investment-accounts-where-should-your-next-dollar-go/) - Should you build wealth through superannuation or an investment account? Compare tax benefits, flexibility, and access to grow wealth effectively.
- [The Importance of Risk Profiling in Your Financial Plan](https://epgwealth.com.au/the-importance-of-risk-profiling-in-your-financial-plan/) - Risk profiling aligns your investments with your goals, time horizon, and comfort with volatility—forming the foundation of a disciplined, long-term strategy.
- [Unlocking Growth: The Benefits of Internal Gearing](https://epgwealth.com.au/unlocking-growth-the-benefits-of-internal-gearing/) - Internal gearing can amplify long-term returns. Learn how geared index funds work, their risks, and how they fit into a sophisticated, diversified portfolio.
- [How to Best Utilize an Inheritance for Long-Term Wealth](https://epgwealth.com.au/how-to-best-utilize-an-inheritance-for-long-term-wealth/) - Using inheritance wisely can grow long-term wealth. Explore the trade-off between debt repayment, investing, and boosting super to maximise financial outcomes.
- [Super Wrap vs. Industry Super: A Retiree's Guide](https://epgwealth.com.au/super-wrap-vs-industry-super-a-retirees-guide/) - A super wrap can offer retirees more control, transparency, tax efficiency, and smarter income management than a traditional industry super fund.
- [The Importance of Investment Diversification](https://epgwealth.com.au/the-importance-of-investment-diversification/) - Diversification reduces risk and strengthens long-term returns. Learn how spreading investments across assets, sectors and regions builds resilient wealth.
- [The Importance of Asset Allocation in Your Investment Strategy](https://epgwealth.com.au/the-importance-of-asset-allocation-in-your-investment-strategy/) - Asset allocation drives long-term returns and risk control. Learn why it matters more than stock picking and how advisers tailor and rebalance.
- [Generational Wealth Transfer: How to Manage Your Inheritance Wisely](https://epgwealth.com.au/generational-wealth-transfer-how-to-manage-your-inheritance-wisely/) - Receiving an inheritance marks a significant moment in life. It is often a bittersweet experience, combining the grief of losing a loved one with the responsibility of managing a sudden financial windfall. This generational wealth transfer can secure your future, but without a clear plan, it can also lead to stress and missed opportunities. Smart
- [Managing Debt Wisely: When to Pay Off vs When to Invest](https://epgwealth.com.au/managing-debt-wisely-when-to-pay-off-vs-when-to-invest/) - Paying off debt vs investing is a key financial decision. Learn how to balance debt reduction with wealth creation for long-term growth.
- [How to Stay Invested When Markets Get Volatile](https://epgwealth.com.au/how-to-stay-invested-when-markets-get-volatile-2/) - Market volatility is inevitable. Learn proven strategies - diversification, discipline, and dollar-cost averaging to stay invested and protect your goals.
- [Tax Planning for Retirees: How to Draw Income Efficiently](https://epgwealth.com.au/tax-planning-for-retirees-how-to-draw-income-efficiently-2/) - Learn smart tax planning strategies for retirement. Use super withdrawals, offsets, and investments to minimise tax and maximise your retirement income.
- [How to Build Wealth Outside Super: Trusts, Companies, and Personal Portfolios](https://epgwealth.com.au/how-to-build-wealth-outside-super-trusts-companies-and-personal-portfolios/) - Discover strategies to build wealth outside super. Explore trusts, companies, and personal portfolios to gain flexibility, control, and tax-efficient growth.
- [Estate Planning Beyond Wills: Power of Attorney, Digital Assets & Guardianship](https://epgwealth.com.au/estate-planning-beyond-wills-power-of-attorney-digital-assets-guardianship/) - Estate planning goes beyond wills. Learn about powers of attorney, guardianship, and digital assets to protect your family, finances, and legacy in Australia.
- [Understanding Risk Profiles: More Than Just a Questionnaire](https://epgwealth.com.au/understanding-risk-profiles-more-than-just-a-questionnaire/) - Your risk profile shapes your investment journey. Learn how tolerance, capacity, and goals define it—and why going beyond a questionnaire creates smarter strategies.
- [What to Do When You Inherit Money: A Smart Approach](https://epgwealth.com.au/what-to-do-when-you-inherit-money-a-smart-approach/) - Learn how to manage an inheritance wisely in Australia—pay off debt, invest, save, and protect your wealth for long-term goals.
- [Super Consolidation vs Keeping Multiple Funds: Pros, Cons, and Strategy](https://epgwealth.com.au/super-consolidation-vs-keeping-multiple-funds-pros-cons-and-strategy/) - Should you consolidate your super or keep multiple funds? Explore pros, cons, and strategies to simplify super, reduce fees, and maximise retirement outcomes.
- [Dollar-Cost Averaging vs. Lump Sum Investing: Which Works Best?](https://epgwealth.com.au/dollar-cost-averaging-vs-lump-sum-investing-which-works-best/) - Explore dollar-cost averaging vs lump sum investing. Learn which strategy suits your goals, risk tolerance, and market conditions to grow wealth effectively.
- [Downsizing in Retirement: Pros, Cons & Financial Impact](https://epgwealth.com.au/downsizing-in-retirement-pros-cons-financial-impact/) - Considering downsizing in retirement? Learn the pros, cons, and financial impacts, from unlocking equity to pension rules, to see if it suits your goals.
- [Climate-Aware Investing: Aligning Portfolios with Environmental Goals](https://epgwealth.com.au/climate-aware-investing-aligning-portfolios-with-environmental-goals/) - Discover climate-aware investing: align your portfolio with sustainability, mitigate risks, and build long-term wealth while supporting global climate goals.
- [Strategic vs. Tactical Asset Allocation: What’s the Difference?](https://epgwealth.com.au/strategic-vs-tactical-asset-allocation-whats-the-difference/) - Understand the differences between Strategic and Tactical Asset Allocation to choose the right investment strategy for your goals and risk.
- [Tax Planning for Retirees: How to Draw Income Efficiently](https://epgwealth.com.au/tax-planning-for-retirees-how-to-draw-income-efficiently/) - Discover effective tax planning strategies for Australian retirees to maximise income, reduce tax, and optimise super withdrawals.
- [How to Stay Invested When Markets Get Volatile](https://epgwealth.com.au/how-to-stay-invested-when-markets-get-volatile/) - Market volatility can test the patience and resilience of even the most experienced investors. It’s natural to feel uncertain when markets take unexpected turns, but reacting emotionally can often lead to poor decisions that harm your long-term financial goals. The good news? There are strategies and principles you can follow to ride out the turbulence
- [Binding vs. Non-Binding Nominations: What's the Difference?](https://epgwealth.com.au/binding-vs-non-binding-nominations-whats-the-difference/) - Understand the key differences between binding and non-binding super nominations to ensure your super is distributed according to your wishes.
- [Using Dollar Cost Averaging to Smooth Market Ups and Downs](https://epgwealth.com.au/using-dollar-cost-averaging-to-smooth-market-ups-and-downs/) - Dollar-cost averaging helps reduce market risk by investing consistently over time—ideal for long-term investors navigating volatility.
- [Super Fee Check Up: Are You Paying Too Much in Hidden Costs?](https://epgwealth.com.au/super-fee-check-up-are-you-paying-too-much-in-hidden-costs/) - Hidden super fees can erode your savings. Learn how to spot, compare, and reduce fees to protect and grow your retirement balance.
- [Financial Steps to Take When You're Going Through a Major Life Change](https://epgwealth.com.au/financial-steps-to-take-when-youre-going-through-a-major-life-change/) - Navigate life’s major milestones—marriage, children, divorce, retirement—with proactive financial planning to protect your future and peace of mind.
- [How to Build and Maintain Your Emergency Fund in 2025](https://epgwealth.com.au/how-to-build-and-maintain-your-emergency-fund-in-2025/) - Build financial resilience in 2025 with an emergency fund. Learn how to save, maintain, and adapt your fund to protect against life’s unexpected events.
- [How to Use a Testamentary Trust to Protect Your Legacy](https://epgwealth.com.au/how-to-use-a-testamentary-trust-to-protect-your-legacy/) - Discover how a testamentary trust can protect your legacy, provide tax benefits, and support your loved ones through strategic estate planning.
- [Are You Over-Diversified? When Too Many Investments Hurt Your Portfolio](https://epgwealth.com.au/are-you-over-diversified-when-too-many-investments-hurt-your-portfolio/) - Too much diversification can hurt returns. Learn how to balance your portfolio for smarter investing and long-term success.
- [How to Align Your Investments with Your Goals in the Year Ahead](https://epgwealth.com.au/how-to-align-your-investments-with-your-goals-in-the-year-ahead/) - Kickstart the new financial year by aligning your investments with your goals. Learn how to review your investments and explore new opportunities for the FY25.
- [How to Create a Personal Cash Flow Plan This Financial Year](https://epgwealth.com.au/how-to-create-a-personal-cash-flow-plan-this-financial-year/) - Take control of your finances this financial year with a personal cash flow plan. Learn how to track income, manage expenses, reduce debt, and build savings with this step-by-step guide from EPG Wealth.
- [Are You on Track for Retirement? What to Review at the Start of this New Financial Year](https://epgwealth.com.au/are-you-on-track-for-retirement-what-to-review-at-the-start-of-this-new-financial-year/) - Start the financial year strong—review your retirement plan, boost your super, refine investments, and align your estate plan with your future goals.
- [The New Financial Year Is the Perfect Time to Review Your Risk Profile](https://epgwealth.com.au/the-new-financial-year-is-the-perfect-time-to-review-your-risk-profile/) - Start the new financial year strong by reviewing your risk profile to align your investments with your goals, life stage, and market conditions.
- [What You Should Review in Your Financial Plan Every July](https://epgwealth.com.au/what-you-should-review-in-your-financial-plan-every-july/) - Start the new financial year strong. Review your budget, insurance, super, and estate plan this July to align your finances with your goals.
- [Does Your Estate Plan Still Reflect Your Intentions? Review It This Financial Year](https://epgwealth.com.au/does-your-estate-plan-still-reflect-your-intentions-review-it-this-financial-year/) - Ensure your estate plan reflects your current wishes this financial year. Review your will, super nominations, and powers of attorney for peace of mind.
- [How to Make the Most of Your Super Caps in the 2025-26 Financial Year](https://epgwealth.com.au/how-to-make-the-most-of-your-super-caps-in-the-2025-26-financial-year/) - Make the most of updated 2025–26 super caps. Learn how to boost retirement savings, reduce tax, and leverage carry-forward and bring-forward strategies.
- [EOFY Super Checklist: What You Need to Do Before the Deadline](https://epgwealth.com.au/eofy-super-checklist-what-you-need-to-do-before-the-deadline/) - Stay on top of your super before 30 June. Use this EOFY checklist to boost savings, claim tax benefits, and secure your retirement strategy.
- [What Is a Diversified Portfolio and Why It Matters](https://epgwealth.com.au/what-is-a-diversified-portfolio-and-why-it-matters/) - Discover how portfolio diversification helps manage risk, grow wealth, and support retirement goals through smart asset allocation and Super strategies.
- [The Benefits of Contributing to Super Before the End of the Financial Year](https://epgwealth.com.au/the-benefits-of-contributing-to-super-before-the-end-of-the-financial-year/) - Contribute to super before 30 June to save on tax, grow retirement savings, and maximise EOFY strategies for long-term financial benefits
- [The Role of Account-Based Pensions in Building a Sustainable Retirement Income Stream](https://epgwealth.com.au/the-role-of-account-based-pensions-in-building-a-sustainable-retirement-income-stream/) - Learn how Account-Based Pensions can deliver flexible, tax-effective retirement income and help secure your financial future beyond super accumulation.
- [EOFY Super Contribution Strategies You Can Use Before 30 June](https://epgwealth.com.au/eofy-super-contribution-strategies-you-can-use-before-30-june/) - Act before 30 June to maximise your super contributions, reduce tax, and grow your retirement savings with smart EOFY strategies.
- [Passing Wealth to the Next Generation](https://epgwealth.com.au/passing-wealth-to-the-next-generation/) - Ensure a smooth, tax-efficient transfer of wealth with estate planning, trusts, and super strategies tailored for Australian families and high-income earners.
- [When and How to Start Transitioning to Retirement for High-Income Earners](https://epgwealth.com.au/when-and-how-to-start-transitioning-to-retirement-for-high-income-earners/) - High-income earners: Plan your ideal retirement with strategies to protect wealth, minimise tax, and maintain lifestyle. Start early and retire with confidence.
- [Superannuation vs Investment Portfolio in Australia](https://epgwealth.com.au/superannuation-vs-investment-portfolio-in-australia/) - Explore the key differences between superannuation and investment portfolios in Australia to make smarter wealth-building decisions tailored to your goals.
- [Understanding Catch-up Contributions in Your Superannuation](https://epgwealth.com.au/understanding-catch-up-contributions-in-your-superannuation/) - Boost your super with catch-up contributions. Use unused caps from previous years to grow your retirement savings and reduce your tax bill.
- [Making the Most of Concessional and Non-Concessional Contributions Before EOFY](https://epgwealth.com.au/making-the-most-of-concessional-and-non-concessional-contributions-before-eofy/) - Maximise your super contributions before EOFY. Learn how concessional and non-concessional strategies can boost savings and reduce tax.
- [Geared vs Non-Geared Investments: Understanding the Risks and Returns](https://epgwealth.com.au/geared-vs-non-geared-investments-understanding-the-risks-and-returns/) - Compare geared vs non-geared investments, exploring risks, returns, and strategies to build long-term wealth tailored to your financial goals.
- [When and How to Start Transitioning to Retirement](https://epgwealth.com.au/when-and-how-to-start-transitioning-to-retirement/) - Discover a strategic guide for high-income earners on how to transition smoothly into retirement while preserving lifestyle, wealth, and long-term goals.
- [Property vs. Shares: Deciding the Best Investment Path in 2025](https://epgwealth.com.au/property-vs-shares-deciding-the-best-investment-path-in-2025/) - Compare property and share investments in Australia for 2025. Discover key benefits, risks, and how to align your choice with your goals and risk tolerance.
- [Smart Ways to Invest Your Extra Cash](https://epgwealth.com.au/smart-ways-to-invest-your-extra-cash/) - Make your surplus cash work smarter. Discover top investment options and more to grow your wealth based on your goals, risk tolerance, and time horizon.
- [Retirement Planning Beyond Superannuation](https://epgwealth.com.au/retirement-planning-beyond-superannuation/) - Retire with confidence. Discover strategies beyond superannuation to secure long-term wealth for high-income earners and high-net-worth individuals.
- [Tax Optimisation for High-Income Earners](https://epgwealth.com.au/tax-optimisation-for-high-income-earners/) - Learn top tax optimisation strategies for high-income earners to protect wealth, minimise liability, and stay compliant across global jurisdictions.
- [Investing in ETFs: What Are They and How Do They Work?](https://epgwealth.com.au/investing-in-etfs-what-are-they-and-how-do-they-work/) - Discover how ETFs work and why they’re a smart, low-cost way to diversify, grow wealth, and align with your long-term financial goals.
- [Short-Term vs. Long-Term Investments: Which One is Right for You?](https://epgwealth.com.au/short-term-vs-long-term-investments-which-one-is-right-for-you/) - When it comes to growing your wealth, the choices you make today can shape your financial future. One of the key decisions investors face is whether to focus on short-term investments or long-term investments. Each option comes with its own set of benefits and risks, and choosing the right strategy often depends on your financial
- [Estate Planning Essentials: Preparing for the Unexpected](https://epgwealth.com.au/estate-planning-essentials-preparing-for-the-unexpected/) - Thinking about the future isn’t always easy, but taking proper steps now can make a world of difference for you and your loved ones later. Estate planning often feels like a daunting subject, but it’s a critical process that ensures your assets are distributed according to your wishes, your loved ones are cared for, and
- [Am I in a Good Superannuation Fund?](https://epgwealth.com.au/am-i-in-a-good-superannuation-fund/) - Learn how to assess your super fund’s performance, fees, and investment mix to ensure it aligns with your financial goals and retirement strategy.
- [What Does a Good Financial Adviser Actually Do in Australia?](https://epgwealth.com.au/what-does-a-good-financial-adviser-actually-do-in-australia/) - Discover how a financial adviser in Australia can help you achieve your goals with tailored advice on super, investing, tax, estate planning, and more.
- [How to Make the Most of Your High Income with Financial Advice](https://epgwealth.com.au/how-to-make-the-most-of-your-high-income-with-financial-advice/) - Make the most of your high income with smart budgeting, investing, and tax strategies tailored for Australian professionals.
- [5 Signs You’re Ready to See a Financial Adviser](https://epgwealth.com.au/5-signs-youre-ready-to-see-a-financial-adviser/) - Not sure if it's time to speak to a financial adviser? Discover five clear signs it could help you gain clarity, reduce stress, and reach your financial goals.
- [Why It’s Never Too Early or Too Late to Seek Financial Advice](https://epgwealth.com.au/why-its-never-too-early-or-too-late-to-seek-financial-advice/) - Discover smart strategies for building wealth, managing investments, and reaching financial freedom faster.
- [Superannuation in Australia: The Best Investment You’ll Ever Make and Why](https://epgwealth.com.au/superannuation-in-australia-the-best-investment-youll-ever-make-and-why/) - Discover why superannuation is one of the smartest, most tax-effective ways to grow your wealth and secure your financial future in Australia.
- [Understanding the Difference Between Risk and Volatility in Investing](https://epgwealth.com.au/understanding-the-difference-between-risk-and-volatility-in-investing/) - Understand the key differences between risk and volatility in investing, and how they affect decisions inside and outside of superannuation.
- [Inflation Protection Strategies: Safeguard Your Wealth](https://epgwealth.com.au/inflation-protection-strategies-safeguard-your-wealth/) - Learn how to protect your wealth from inflation with smart strategies like diversification, real estate, TIPS, and more. Stay ahead of rising costs.
- [Retirement Planning in Your 40s in Australia: A Comprehensive Guide](https://epgwealth.com.au/retirement-planning-in-your-40s-in-australia-a-comprehensive-guide/) - In your 40s? It’s the perfect time to build a smart retirement plan. Maximise super, diversify investments & secure your future with expert guidance.
- [Why Financial Planning Is More Than Just Investing](https://epgwealth.com.au/why-financial-planning-is-more-than-just-investing/) - Financial planning is more than investing—it’s a holistic approach to budgeting, saving, debt, insurance, and securing your future.
- [How to Use Dollar-Cost Averaging to Manage Market Volatility](https://epgwealth.com.au/how-to-use-dollar-cost-averaging-to-manage-market-volatility/) - Discover how dollar-cost averaging (DCA) can help you invest consistently, reduce market risk, and build long-term wealth with less stress.
- [Combining Multiple Super Accounts in Australia: Pros and Cons](https://epgwealth.com.au/combining-multiple-super-accounts-in-australia-pros-and-cons/) - Consolidating super accounts can simplify management, reduce fees, and improve investment alignment. Learn the pros and cons to make an informed decision.
- [How Financial Planning Can Reduce Financial Stress](https://epgwealth.com.au/how-financial-planning-can-reduce-financial-stress/) - Reduce financial stress with a solid financial plan. Learn how to assess your situation, set goals, create a budget, and build wealth step-by-step.
- [How to Manage Superannuation in a Market Downturn](https://epgwealth.com.au/how-to-manage-superannuation-in-a-market-downturn/) - Learn how to manage your superannuation during a market downturn with practical strategies to stay on track.
- [The Importance of Strategic Asset Allocation](https://epgwealth.com.au/the-importance-of-strategic-asset-allocation/) - Master strategic asset allocation to balance risk and return, achieve long-term financial goals, and secure your future with expert guidance.
- [What Does "Time in the Market" Versus "Timing the Market" Mean?](https://epgwealth.com.au/what-does-time-in-the-market-versus-timing-the-market-mean/) - Discover why "time in the market" beats "timing the market." Learn how compounding, consistency, and long-term strategies can build lasting wealth.
- [Why Knowing Your Risk Profile Is Vital for Smart Investing](https://epgwealth.com.au/why-knowing-your-risk-profile-is-vital-for-smart-investing/) - Understanding your risk profile is key to smarter investing. Learn how risk tolerance shapes your strategy and helps you meet financial goals confidently.
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- [Cyber Scams: How Investors Can Stay Safe](https://epgwealth.com.au/cyber-scams-how-investors-can-stay-safe/) - The digital age offers incredible opportunities for investors in Australia, with instant access to information and markets around the world. However, it also brings increased risks. Cyber scams are becoming more sophisticated, targeting unsuspecting individuals and businesses alike. Knowing how to protect yourself is crucial in safeguarding your investments and financial future. Understanding Cyber Scams
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- [How to Choose the Right Super Fund?](https://epgwealth.com.au/how-to-choose-the-right-super-fund/) - Choosing the right super fund is a crucial decision that can significantly impact your financial future. With over 425,000 young professionals entering the workforce in Australia each year, understanding how to make informed choices about your super is more important than ever. What is Superannuation? Superannuation, commonly referred to as "super," is a way of
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- [Planning for Healthcare Costs in Retirement](https://epgwealth.com.au/planning-for-healthcare-costs-in-retirement/) - Learn how to prepare for healthcare costs in retirement. Understand Medicare, private insurance, and budgeting strategies to ensure a worry-free healthy future.
- [Recent changes to the downsizer superannuation contributions](https://epgwealth.com.au/recent-changes-to-the-downsizer-superannuation-contributions/) - Have you ever heard about the downsizer superannuation contributions and wondered what it means? How might it affect you? Or if you are eligible? This article will look at the nuts and bolts of the downsizer contributions and recent legislative changes that may affect you. What are downsizer superannuation contributions From the sale of
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- [Asset Allocation Strategies](https://epgwealth.com.au/asset-allocation-strategies/) - Asset Allocation Strategies Approaches to the asset allocation process Asset allocation strategies can be active to varying degrees or strictly passive in nature. How often should the allocations of an investor’s optimal portfolio be reviewed depends on the investor’s goals, age, market expectations and risk tolerance. In portfolio construction, this spectrum is generally divided between
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- [Understanding the recent closure of Silicon Valley Bank’s Australian operations](https://epgwealth.com.au/understanding-the-recent-closure-of-silicon-valley-banks-australian-operations/) - What is Silicon Valley Bank? Silicon Valley Bank (SBV) is a US-based financial institution that was established in 1983. It primarily serves the technology and life science industries, gaining popularity for its innovative approach to lending to emerging technology companies, many of which were based in Silicon Valley. Its success eventually led to their
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- [The Pros and Cons of Early Retirement](https://epgwealth.com.au/the-pros-and-cons-of-early-retirement/) - Early retirement offers freedom and new opportunities but comes with challenges. Discover the pros, cons, and planning tips for a successful transition.
- [The Importance of Reviewing Your Insurance Policies Regularly](https://epgwealth.com.au/the-importance-of-reviewing-your-insurance-policies-regularly/) - Stay protected by regularly reviewing your insurance policies. Learn why and how often to review health, home, car, and life insurance.
- [Planning for Retirement: When Should You Start?](https://epgwealth.com.au/planning-for-retirement-when-should-you-start/) - Start retirement planning early! Learn practical tips, investment strategies, and the benefits of early preparation tailored for Australians.
- [Superannuation and Estate Planning: What Happens After You Pass?](https://epgwealth.com.au/superannuation-and-estate-planning-what-happens-after-you-pass/) - Learn how to plan your superannuation for after your death, including binding nominations and tax implications, to ensure your loved ones are looked after.
- [How to Make Your Superannuation Work Harder for You](https://epgwealth.com.au/how-to-make-your-superannuation-work-harder-for-you/) - Learn to boost your superannuation with smart strategies, from extra contributions to government co-contributions, ensuring a secure retirement.
- [The Impact of Inflation on Your Superannuation Savings](https://epgwealth.com.au/the-impact-of-inflation-on-your-superannuation-savings/) - Discover how inflation impacts your superannuation and learn strategies to protect your savings, by investing, adjusting contributions, and seeking advice.
- [Are you losing money on Insurance Commissions?](https://epgwealth.com.au/are-you-losing-money-on-insurance-commissions/) - In line with current legislation, advisers are legally allowed to charge a commission on insurance-based advice. So, the question is then posed, how much of your money is being spent in commissions on your insurance premiums? What is Personal Insurance? To begin with, understanding what personal insurance is and what it includes is highly
- [Understanding Superannuation Contribution Caps](https://epgwealth.com.au/understanding-superannuation-contribution-caps/) - Learn about superannuation contribution caps, tax benefits, and strategies to boost your savings. Maximise your super for a secure financial future!
- [Understanding Superannuation: A Beginners Guide](https://epgwealth.com.au/understanding-superannuation-a-beginners-guide/) - This guide helps young Australians understand the importance of superannuation, its benefits, and how to manage it for a secure financial future.
- [Navigating Retirement with an Active Mortgage](https://epgwealth.com.au/navigating-retirement-with-an-active-mortgage/) - Managing a mortgage in retirement can be complex. Explore practical tips to balance mortgage payments and retirement goals for a secure and fulfilling future.
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- [How to Plan for the Big Milestones in Life](https://epgwealth.com.au/how-to-plan-for-the-big-milestones-in-life/) - Prepare for the milestones in your life, from marriage to retirement, discover tips for financial, legal, and emotional planning to ensure a smooth transition.
- [Everything You Need to Know About Investing](https://epgwealth.com.au/everything-you-need-to-know-about-investing/) - Learn the Investing essentials with our comprehensive guide, from understanding stocks and bonds to developing a solid investment strategy for building wealth.
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- [What Is a Testamentary Trust?](https://epgwealth.com.au/what-is-a-testamentary-trust/) - Learn about Testamentary Trusts, their benefits, and how to implement them in estate planning strategies to ensure your loved ones are protected.
- [Why you should regularly review your loan](https://epgwealth.com.au/why-you-should-regularly-review-your-loan/) - Regularly review your loan to adapt to interest rate changes, find better offers, improve terms, consolidate debt, and align with financial goals.
- [Understanding the Asset Allocation of Your Portfolio](https://epgwealth.com.au/understanding-the-asset-allocation-of-your-portfolio/) - Understand asset allocation with this guide and learn to manage risk by effectively diversifying your portfolio to achieve long-term financial goals.
- [The Pros and Cons of a Self-Managed Super Fund](https://epgwealth.com.au/the-pros-and-cons-of-a-self-managed-super-fund/) - Considering a Self-Managed Super Fund (SMSF), explore the benefits and drawbacks in this guide to make an informed decision tailored to your financial goals.
- [Mistakes People Make Regarding Their Wills](https://epgwealth.com.au/mistakes-people-make-regarding-their-wills/) - Estate planning is essential for managing your assets and caring for loved ones after you're gone. Learn to avoid common Will mistakes with our expert tips.
- [What Does a Financial Adviser Do, and Do I Need One?](https://epgwealth.com.au/what-does-a-financial-adviser-do-and-do-i-need-one/) - Discover the role of a financial adviser and how they can help young professionals manage finances, plan for the future, and achieve financial goals.
- [Should I Pay My Children's HECS Debt?](https://epgwealth.com.au/should-i-pay-my-childrens-hecs-debt/) - Should you pay off your child's HECS debt? Explore the financial, emotional, and ethical considerations to make an informed decision for your family's future.
- [Understanding Bull and Bear Markets](https://epgwealth.com.au/understanding-bull-and-bear-markets/) - Understanding bull and bear markets is crucial, learn how these market trends impact investments and strategies for navigating each scenario in Australia.
- [Is Property the Best Way to Grow Your Wealth?](https://epgwealth.com.au/is-property-the-best-way-to-grow-your-wealth/) - Considering property investment for wealth growth? Explore its benefits, risks, and alternatives in this comprehensive guide for informed decision-making.
- [What is a Self-Managed Super Fund?](https://epgwealth.com.au/what-is-a-self-managed-super-fund/) - Learn how a Self-Managed Super Fund offers control over your retirement savings, investment flexibility, and tax benefits.
- [What Can an Enduring Power of Attorney Do?](https://epgwealth.com.au/what-can-an-enduring-power-of-attorney-do/) - Discover how an Enduring Power of Attorney safeguards financial and legal interests in Australia, ensuring seamless management if mental capacity is lost.
- [How to Keep Your Finances Safe in a Digital Landscape](https://epgwealth.com.au/how-to-keep-your-finances-safe-in-a-digital-landscape/) - Learn essential tips to safeguard your assets from cyber threats and financial fraud. Stay informed and secure your financial future.
- [How Does Debt Recycling Work?](https://epgwealth.com.au/how-does-debt-recycling-work/) - Discover how debt recycling transforms home loans into tax-deductible investment loans, accelerating mortgage repayment and building wealth. Learn more now!
- [What is a Pension Refresh?](https://epgwealth.com.au/what-is-a-pension-refresh/) - Learn about the "Pension Refresh" to optimise your pension benefits. Discover how this strategy can enhance your retirement income and tax efficiency.
- [Frequently Asked Questions about Financial Advice](https://epgwealth.com.au/frequently-asked-questions-about-financial-advice/) - Navigating personal finance can be overwhelming, our blog answers frequently asked questions on financial advice, helping you make informed money decisions.
- [How to save for your Children’s Education?](https://epgwealth.com.au/how-to-save-for-your-childrens-education/) - Discover strategies to save for your children's education , from early planning and investments to leveraging government grants and smart budgeting.
- [What happens to your Super if you pass away?](https://epgwealth.com.au/what-happens-to-your-super-if-you-pass-away/) - Understand how superannuation is handled after death, learning about binding nominations, tax implications, and estate planning tips for peace of mind.
- [How to Navigate the Rising Cost of Living](https://epgwealth.com.au/how-to-navigate-the-rising-cost-of-living/) - Navigate Australia's rising cost of living, learning strategies for housing, utilities, groceries, transport, healthcare, and entertainment.
- [Should I Pay Down My Mortgage or Invest in Super?](https://epgwealth.com.au/should-i-pay-down-my-mortgage-or-invest-in-super/) - Choose wisely: pay down your mortgage for interest savings and security or invest in super for tax advantages and compound growth.
- [Do You Pay Tax If You Are Retired?](https://epgwealth.com.au/do-you-pay-tax-if-you-are-retired/) - Wondering about tax obligations in retirement? Learn how the Age Pension, superannuation, plus tips to minimise your tax liability.
- [What is a Family Trust?](https://epgwealth.com.au/what-is-a-family-trust/) - Discover the benefits of a Family Trust in Australia, from asset protection to tax savings, learn how to establish one and navigate its potential drawbacks.
- [Preparing Your SMSF for the Financial Year's End](https://epgwealth.com.au/preparing-your-smsf-for-the-financial-years-end/) - "Navigate year-end SMSF tasks with our guide. Manage contributions, pension payments, audits, and records effectively for compliance and efficiency."
- [How to Get Your Estate Planning in Order](https://epgwealth.com.au/how-to-get-your-estate-planning-in-order/) - Ensure your assets and wishes are honoured with estate planning. Learn the essential steps for creating a will, trusts and power of attorney in Australia.
- [Super strategies to consider this EOFY](https://epgwealth.com.au/super-strategies-to-consider-this-eofy/) - Prepare for EOFY with these super strategies. Review your portfolio, maximise super contributions, and seek professional advice, and plan for the future.
- [Preparing for the End of Financial Year](https://epgwealth.com.au/preparing-for-the-end-of-financial-year/) - Maximize EOFY benefits! Discover strategies to boost your super contributions, reduce tax, and secure your financial future. Consult experts today!
- [The Role of Professional Guidance in Divorce](https://epgwealth.com.au/the-role-of-professional-guidance-in-divorce/) - Navigate the emotional & financial storm of divorce in Australia. Learn why expert advice & cash reserves are crucial for stability post-divorce.
- [The Financial Advisers' Role in Managing Your Inheritance](https://epgwealth.com.au/the-financial-advisers-role-in-managing-your-inheritance/) - Discover how financial advisers help manage inheritance in Australia, offering expertise in investing, tax optimization, and risk management
- [Why Having a Mortgage Broker Is Vital](https://epgwealth.com.au/why-having-a-mortgage-broker-is-vital/) - Discover why a mortgage broker is crucial. Gain insight into fees, benefits and how they streamline your home-buying journey for savings and peace of mind
- [The Importance of Having an Accountant](https://epgwealth.com.au/the-importance-of-having-an-accountant/) - Discover the indispensable role of an accountant in Australia's financial realm, from tax navigation to business advisory services and stress reduction
- [Why You Don't Need a Fortune to Start Investing](https://epgwealth.com.au/why-you-dont-need-a-fortune-to-start-investing/) - Breaking down barriers to investing in Australia: Start small, think big. Explore micro-investing, low-entry options and compound interest for financial future
- [How Inheritance Can Shape Your Retirement](https://epgwealth.com.au/how-inheritance-can-shape-your-retirement/) - Maximize your inheritance for Australian retirement. Boost super, invest wisely, get expert advice. Schedule now.
- [The Financial Journey of Raising Children](https://epgwealth.com.au/navigating-the-financial-journey-of-raising-children-in-australia/) - Navigate the Financial Landscape of Parenting in Australia: From Childbirth to Education Costs, Learn How to Budget and Plan for a Secure Family Future.
- [The Synergy between Gearing and Dollar-Cost Averaging](https://epgwealth.com.au/the-synergy-between-gearing-and-dollar-cost-averaging/) - The combination of gearing and dollar cost averaging represents a powerful tool in the quest for financial growth and security.
- [How Much Should I Budget for Insurance?](https://epgwealth.com.au/how-much-should-i-budget-for-insurance/) - Navigating the delicate balance of a reliable insurance cover and financial wellness is akin to mastering a dance of protection and affordability.
- [Do you have enough money in your Super?](https://epgwealth.com.au/do-you-have-enough-money-in-your-super/) - By engaging with your super early, making informed decisions, and seeking advice, you're on a path that leads to a comfortable and fulfilling retirement.
- [Finance Tips to the Next Generation](https://epgwealth.com.au/finance-tips-to-the-next-generation/) - Empowering children with knowledge about saving, investing, and understanding financial markets sets them on a path to a secure financial future.
- [How to diversify your investments](https://epgwealth.com.au/how-to-diversify-your-investments/) - Diversifying your investments helps with reducing risk, read this article to understand how you can diversify your current investment portfolio.
- [Growing Your Wealth Without Buying a Home](https://epgwealth.com.au/growing-your-wealth-without-buying-a-home/) - While home ownership is a significant wealth-building avenue, numerous alternative strategies and investment vehicles can lead to substantial financial growth.
- [Understanding HECS Debt and indexation](https://epgwealth.com.au/understanding-hecs-debt-and-indexation/) - HECS debt is a critical part of Australia's higher education landscape. The right knowledge and strategies can help graduates manage it effectively.
- [A Guide to Handling a Big Inheritance](https://epgwealth.com.au/a-guide-to-handling-a-big-inheritance/) - Inheritances are not only significant financial payouts but also markers of new responsibilities and life choices. For the next generation of wealthy Australians, receiving a large inheritance comes with the weight of legacy and the anticipation of using wealth meaningfully. This is not just about what to buy, but about handling assets in a way
- [Navigating Inheritance in Australia](https://epgwealth.com.au/navigating-inheritance-in-australia/) - Inheriting wealth and assets is often viewed as a future event, overshadowed by the day-to-day tussle with life's challenges. But what happens when the future arrives, and you find yourself caught in the intricate web of Australia's inheritance laws? For many, understanding this complex process is key to ensuring their loved ones are well
- [Why you should reach the Super Balance Cap](https://epgwealth.com.au/why-you-should-reach-the-super-balance-cap/) - Superannuation is one of the most powerful tools, by utilising your Super Balance Cap you’re creating a future that’s financially secure and tax-efficient.
- [The secrets to retiring early](https://epgwealth.com.au/the-secrets-to-retiring-early/) - For many, retiring early is a distant dream, a golden horizon on which the sun never quite sets until much later in life. But there's a growing community of individuals who are rewriting the rulebook on when and how we access our retirement. In this blog, we unveil the secrets to retiring early, guiding
- [The Benefits of Impact Investing](https://epgwealth.com.au/the-benefits-of-impact-investing/) - In an age where the headlines are dominated by stories of environmental upheaval and social inequality, many Australians are searching for ways to make a positive change. One powerful avenue that has gained traction is impact investing – a financial strategy that seeks to generate both a measurable, beneficial social or environmental impact alongside
- [A Guide to Maximising Your Super](https://epgwealth.com.au/a-guide-to-maximising-your-super/) - For Australians, the superannuation system provides a unique opportunity to save for retirement. It's a pot of gold we can't personally access until much later in life, but when we do, it could mean the difference between sunset beach walk retirements and those filled with financial stress. Today, we unpack the enigma of super
- [The Ultimate Guide to Navigating Inheritance](https://epgwealth.com.au/the-ultimate-guide-to-navigating-inheritance/) - Inheritances, in their various forms, often come at significant crossroads in life. Whilst, they can promise a fresh start and financial freedom, they can also bring complex emotions and complex financial and legal choices that can feel overwhelming. This comprehensive guide addresses the different considerations for Australians who are faced with this significant life
- [The Power of an Account-Based Pension](https://epgwealth.com.au/the-power-of-an-account-based-pension/) - Navigating the waters of retirement can be as exciting as it is daunting. With a strategic approach to your financial future being critical, the concept of an account-based pension in Australia promises a world of flexibility and tax advantages for retirees. This article dives deep into unpacking the numerous benefits an account-based pension offers,
- [Why Superannuation is the Ultimate Investment for Millennials](https://epgwealth.com.au/why-superannuation-is-the-ultimate-investment-for-millennials/) - hy young Australians should see Super as not just another deduction on their payslips, but a powerful tool for building a secure financial future.
- [Financial Steps to Take After a Divorce](https://epgwealth.com.au/financial-steps-to-take-after-a-divorce/) - Taking the right financial steps post-divorce can make a difference in securing a stable future, read more to help rebuild your financial life confidently.
- [Benefits of Choosing a Self-Licensed Financial Adviser](https://epgwealth.com.au/benefits-of-choosing-a-self-licensed-financial-adviser/) - When it comes to managing your wealth, the role of a financial adviser is super important. They offer not just financial advice, but a peace of mind — the confidence that your financial future is in good hands. In this post, we'll explore the reasons why having a self-licensed financial adviser can be a
- [Is It the Right Time for You to Invest in the Australian Property Market?](https://epgwealth.com.au/is-it-the-right-time-for-you-to-invest-in-the-australian-property-market/) - Australia's property market has long been a beacon for investment, with a unique blend of stability, high demand, and significant appreciation over time. However, times are changing, and potential investors now face a landscape moulded by economic fluctuations, regulatory reforms, and global uncertainties. This shift prompts a critical question for any would-be investor looking
- [Education Planning: Investing in Your Children’s Future](https://epgwealth.com.au/education-planning-investing-in-your-childrens-future/) - Every parent wants the best for their child. We dream of a bright future for them, one filled with success, happiness, and financial stability. One crucial aspect of this future is education. We want to ensure our children have the opportunity to pursue the right academic path, regardless of rising tuition fees and a
- [How Your Job Fits into Your Financial Plan](https://epgwealth.com.au/how-your-job-fits-into-your-financial-plan/) - Your income source is the cornerstone of your financial landscape. In Australia, where millions carve out their careers, it's vital to ensure that your job not only fulfills you but also builds your financial foundation. This blog explains the relationship between career choices and financial planning, tailored for professionals like you. Understanding the
- [Savings Strategies: Building Wealth Through Strategic Saving Habits](https://epgwealth.com.au/savings-strategies-building-wealth-through-strategic-saving-habits/) - In today's fast-paced world, achieving financial security requires more than just earning a paycheck—it demands intentional and disciplined approaches to saving and investing. Whether you're a young couple eager to pave the way for your future family, a retiree keen to maintain a lifestyle of comfort, or someone looking to make their first foray
- [Uncovering the Hidden Costs Involved in Investing in Property](https://epgwealth.com.au/uncovering-the-hidden-costs-involved-in-investing-in-property/) - Investing in property can be one of the most worthwhile ventures a person can make. However, the path to real estate success is peppered with hidden costs and, in the current Australian market, these may be more complex than you’d initially think. Furthermore, for those not bothered by the upfront cost, these often-forgotten expenses
- [The Pros and Cons of Term Deposits and Market Investments](https://epgwealth.com.au/the-pros-and-cons-of-term-deposits-and-market-investments/) - Investing is one of the best ways to grow your money over time. But with multiple investment options, it can be difficult to choose the right one for you. Young couples and investors often struggle to decide whether to opt for a term deposit or invest in the market. In this blog post, we’ll discuss
- [Advantages of Providing Financial Advice in the Workplace](https://epgwealth.com.au/advantages-of-providing-financial-advice-in-the-workplace/) - In today’s dynamic business environment, Australian companies are constantly looking for innovative ways to enhance employee satisfaction and productivity. Amongst various strategies, offering financial advice to staff stands out. It is an effective method of empowering employees and fostering a positive workplace culture. At EPG Wealth, we deliver educational presentations on financial planning. This At EPG Wealth, we deliver educational presentations on financial planning that can significantly benefit both the employees and the organisation. Here are the key advantages that Australian business owners and HR managers need to consider.
- [Easy steps you can take after receiving an inheritance](https://epgwealth.com.au/easy-steps-you-can-take-after-receiving-an-inheritance/) - Receiving an inheritance can be a weighty and sometimes unexpected responsibility. Whether it's property, money, or assets passed down to you, managing an inheritance effectively requires careful consideration, planning, and often professional advice to ensure your future is set on a solid foundation. This article walks you through the various steps you should consider
- [What is your risk tolerance?](https://epgwealth.com.au/what-is-your-risk-tolerance/) - Investing is a smart way to grow your money and achieve your financial goals. However, before you start investing, you need to understand your risk tolerance. Risk tolerance refers to the level of risk that you are willing to take when investing. It varies from one investor to another depending on their investment goals, financial
- [Financial Planning for a Secure Retirement: Steps to Take in Your 50s](https://epgwealth.com.au/financial-planning-for-a-secure-retirement-steps-to-take-in-your-50s/) - Financial planning is crucial for everyone, especially for those who are in their 50s and close to retirement age. The good news is that it is never too late to start planning for your retirement. Taking small steps towards your financial goals can make a big difference, and it should start now. In this
- [Which Debt Repayment Method is Best?](https://epgwealth.com.au/which-debt-repayment-method-is-best/) - Debt is inevitable, and at some point in our lives, we've all found ourselves owing one debt or the other. It could be in the form of HECS debt, credit card debt, or mortgage payments. The size of the debt, along with the interest rate and repayment periods, can be overwhelming for anyone. However,
- [The Role of Financial Advisers: When and Why to Seek Professional Help](https://epgwealth.com.au/the-role-of-financial-advisers-when-and-why-to-seek-professional-help/) - Investing can be a challenging task. Most investors do not know where to start, how to diversify their investments, or even what their risk tolerance is. That's where financial advisers come in. A financial adviser can help you make informed decisions about your investments, your finances, and your future. But when is the right
- [Investment Diversification: Spreading Risk in Your Portfolio](https://epgwealth.com.au/investment-diversification-spreading-risk-in-your-portfolio/) - Investment diversification is a term that is frequently used in the world of investing. It refers to the practice of allocating/portfolio investments across various asset classes to minimise risks and enhance returns. This concept implies that instead of concentrating all your money in just one type of investment, you can spread your investment among
- [Simple Investing Strategies for Busy People](https://epgwealth.com.au/simple-investing-strategies-for-busy-people/) - In today's fast-paced world, it's easy to get caught up with work and other responsibilities that we forget to plan for the future. Investing may seem like a daunting task, especially for busy individuals who have limited time to research and manage their portfolios. However, investing doesn't have to be complicated. With the right
- [How Inflation Affects Your Financial Future: What You Need to Know](https://epgwealth.com.au/how-inflation-affects-your-financial-future-what-you-need-to-know/) - Inflation is an essential economic concept that can play a significant role in your financial future. It is loosely defined as the increase in the price of goods and services over time, and it can have a profound effect on your savings and investments. Inflation reduces the purchasing power of your money, and if
- [Ethical and Sustainable Investing in Australia: Making a Positive Impact](https://epgwealth.com.au/ethical-and-sustainable-investing-in-australia-making-a-positive-impact/) - As society is becoming more conscious of the impact of our choices on the environment and society, it is no longer enough to merely invest for financial gains. Many investors are looking for options that align with their values and can make a positive difference in the world. Ethical and sustainable investing is a
- [Choosing the Right Investment Strategy for Your Financial Goals](https://epgwealth.com.au/choosing-the-right-investment-strategy-for-your-financial-goals/) - Choosing the right investment strategy is crucial to achieving your financial goals. Investing is not just about growing your money, but also about making sure that your investments align with your financial objectives. Different investment strategies have different levels of risk and reward, so it is important to choose one that is right for
- [Financial Planning for Australian Families: Balancing Needs and Wants](https://epgwealth.com.au/financial-planning-for-australian-families-balancing-needs-and-wants/) - Financial planning for families in Australia can be challenging. The cost of living is continuously rising, and families have to balance their daily needs with their wants. The situation can be particularly tricky for young couples who are just starting their families, as they face various financial commitments, including mortgages, school fees, and insurance
- [Why Superannuation is the Most Tax Effective Investment](https://epgwealth.com.au/why-superannuation-is-the-most-tax-effective-investment/) - In today's fast-paced world, it is essential to make smarts investment decisions that provide long-term benefits. When looking to secure your financial future, superannuation is a smart option worth considering. Superannuation is a system designed to assist people to save money for their retirements. It is also the most tax-effective investment option available to
- [Your Guide to Financial Readjustment: Tips for Australian Expats Returning Home](https://epgwealth.com.au/your-guide-to-financial-readjustment-tips-for-australian-expats-returning-home/) - Returning home after living in another country can be exciting and overwhelming at the same time. It often means getting back in touch with old friends and family and resuming a career in your home country. It can also involve financial readjustment, especially since different countries have different economic policies, tax regulations, and investment
- [Planning for Retirement at Different Life Stages: 20s, 30s, 40s, and Beyond](https://epgwealth.com.au/planning-for-retirement-at-different-life-stages-20s-30s-40s-and-beyond/) - Planning for retirement is never too early nor too late. It’s never too early because you can leverage the power of compound interest, and it’s never too late because you can still make the most of your remaining working years to save as much as you can before you retire. Every person has a
- [The Role of Superannuation in Your Retirement Planning](https://epgwealth.com.au/the-role-of-superannuation-in-your-retirement-planning/) - Retirement planning is a crucial aspect of life that every individual should consider, especially young couples and investors. Thinking of the future and ensuring a stable financial future is not commonplace for everyone. However, it is essential to plan for your retirement to have peace of mind and live comfortably in your old age.
- [Financial Wellness: Building a Stronger Financial Future](https://epgwealth.com.au/financial-wellness-building-a-stronger-financial-future/) - As you navigate through life, building a better financial future for yourself and your loved ones should always remain a top priority. Financial wellness refers to having control over your finances, being able to meet your financial goals, and feeling secure about your financial future. For young couples and investors, taking proactive steps towards
- [Financial Advice for Families and Parents – the Key to a Secure Future](https://epgwealth.com.au/financial-advice-for-families-and-parents-the-key-to-a-secure-future/) - As couples and new parents, it can be challenging to navigate through the complexities of finance and investments. From managing school fees to estate planning, each aspect requires thorough understanding and proper execution. In this blog, we aim to provide you some insights and financial advice for families and parents to secure their future.
- [Flat Fee vs Percentage-Based Fees: Which One Works Best for Your Financial Advice?](https://epgwealth.com.au/flat-fee-vs-percentage-based-fees-which-one-works-best-for-your-financial-advice/) - If you're looking for financial advice, you'll inevitably be faced with the question of how much you should pay for it. Is it better to pay a flat fee, or to go for a percentage-based fee system? While both have their pros and cons, the answer to this question can depend on your investment
- [How Much Money Should You Keep in Cash?](https://epgwealth.com.au/how-much-money-should-you-keep-in-cash/) - Money is an essential aspect of daily life, it’s crucial to manage your finances well and understand the importance of keeping some money in cash. However, many people are still confused about how much money they should keep in cash. In this blog post, we will go over some guidelines and tips on how
- [The Value of Consistent Investing](https://epgwealth.com.au/the-value-of-consistent-investing/) - In an ever-changing economic landscape, individuals are seeking ways to secure their financial futures and achieve their long-term goals. One strategy that has proven to be effective is consistent investing. While market fluctuations and economic uncertainties may seem daunting, a disciplined and well-thought-out investment approach can help navigate these challenges and lead to substantial
- [What are catch-up contributions?](https://epgwealth.com.au/what-are-catch-up-contributions/) - Carry-forward or catch-up contributions are a form of personal concessional contribution that can be used to boost your super balance in a tax-effective way. The following article will discuss the advantages and risks associated with these contributions and how they may benefit you. What does carry forward mean? The catch-up rules allow individuals to make
- [Making Sense of HECS](https://epgwealth.com.au/making-sense-of-hecs/) - With the rising costs of tertiary education in Australia, going to university or college without financial assistance is becoming increasingly difficult. As a result, many eligible students turn to the government-funded program, Higher Education Contribution Scheme or HECS-HELP. HECS has been around for years, yet many young Australian’s don't understand it well enough. In
- [Managing Your Money Through a Career Transition](https://epgwealth.com.au/managing-your-money-through-a-career-transition/) - Career transitions are a common experience for most people. At some point in our professional lives, we may feel the need to switch careers for various reasons. Reasons including poor job satisfaction, better pay, a desire for growth, or to pursue a new passion. When planning a career switch, there are many considerations to
- [How to Prepare for Large Expenses](https://epgwealth.com.au/how-to-prepare-for-large-expenses/) - Large expenses are part of life. Sometimes they come expected, while at other times, they catch us off guard. From emergency home repairs to unexpected medical bills, these expenses can quickly deplete your savings. But with the right preparation, you can minimise the impact of large expenses on your finances. That's why we've put
- [How to Put an End to Overspending](https://epgwealth.com.au/how-to-put-an-end-to-overspending/) - If you often find yourself at the end of the month wondering where all your money went, you're not alone. But if overspending becomes a habit, it can seriously harm your financial stability. The good news is, breaking the cycle of overspending can be done with a few key measures and a bit of
- [Saving vs Investing: What's the Difference](https://epgwealth.com.au/saving-vs-investing-whats-the-difference/) - For many people, the idea of saving and investing money can be daunting. The concepts of saving and investing are often used interchangeably, but the truth is, they are two separate things altogether. Saving involves setting money aside for a specific goal or emergency, while investing involves putting your money to work to earn
- [Overcoming financial uncertainty after the loss of a spouse](https://epgwealth.com.au/overcoming-financial-uncertainty-after-the-loss-of-a-spouse/) - Losing a life partner is one of the most challenging experiences a person can go through. For widowed individuals, the emotional burden is often accompanied by practical challenges, particularly if the deceased spouse managed the finances. In the following case study, we explore the inspiring journey of John, a widowed man who found himself
- [How to gain financial independence from a controlling spouse](https://epgwealth.com.au/how-to-gain-financial-independence-from-a-controlling-spouse/) - Are you feeling overwhelmed and like you’re not in control of your finances? Do you feel restricted by a spouse or partner who wants to handle the financials for both of you? Or maybe it’s been so long since the last time you had access to family finances, that now all these terms like
- [The Financial Implications of Estate Distributions](https://epgwealth.com.au/the-financial-implications-of-estate-distributions/) - We all dream of providing a legacy for our families and loved ones that will last well into the future. However, there are many factors that can impact your ability to transfer wealth between generations, from taxation to legal considerations. Intergenerational Wealth Transfer is a term used to describe the process of transferring assets
- [Secure Your Child's Financial Future: Investing for children](https://epgwealth.com.au/secure-your-childs-financial-future-investing-for-children/) - It’s only natural that every parent, regardless of their financial position, wants the best for their children. So, if you’re in a position to invest money specifically for your children’s future, you should consider your options carefully – just as you would if you were investing for yourself. One of the world’s leading investors
- [Understanding your superannuation fees](https://epgwealth.com.au/understanding-your-superannuation-fees/) - The fees and costs associated with different funds vary significantly and the fees that you pay on your super can have a significant impact on your retirement savings. Therefore, it’s important to know and understand the fees you pay on your superannuation fund because they can have a significant impact on the performance of
- [Why you should prioritise your Financial Wellbeing](https://epgwealth.com.au/why-you-should-prioritise-your-financial-wellbeing/) - Financial wellbeing is an often overlooked but incredibly important aspect of our lives. Most of us have heard about how difficult it can be to make ends meet, or how having a solid savings plan can give you peace of mind during tough times – but why isn’t nearly enough attention given to prioritising
- [What is a re-contribution strategy?](https://epgwealth.com.au/what-is-a-re-contribution-strategy/) - A re-contribution strategy is a withdrawal of your superannuation benefits and a re-contribution back into super. Superannuation benefits are categorised into tax-free and taxable components depending on how the original contributions were made into the fund. Lump sum withdrawals from superannuation must be made in accordance with the proportioning rules, that is, proportionate amounts
- [The Basics of Internal Gearing](https://epgwealth.com.au/the-basics-of-internal-gearing/) - Are you feeling overwhelmed by the choices available when it comes to investing? Or are you interested in learning more about effective ways to grow and manage your wealth? If so, internal gearing might be the right financial strategy for you. Internal gearing involves taking on a variable amount of debt to purchase investments,
- [Building Your Financial Buffer: What You Need to Know About Emergency Funds](https://epgwealth.com.au/building-your-financial-buffer-what-you-need-to-know-about-emergency-funds/) - When it comes to financial planning, one of the most important things you can do for yourself is build an emergency fund. Having a solid financial buffer will give you peace of mind and help protect your finances from unexpected circumstances. Your emergency fund should be considered a top priority when mapping out and
- [Navigating Economic Challenges: The Pros and Cons of Inflation](https://epgwealth.com.au/navigating-economic-challenges-the-pros-and-cons-of-inflation/) - As the Australian economy continues to evolve, it’s important for savvy investors to stay informed about the changing economic landscape. There are few economic concepts that are as important and as controversial as inflation. But what exactly is inflation? How does it affect the average Australian? In this article, we delve deep into the
- [Think you can't afford financial advice? Think again.](https://epgwealth.com.au/think-you-cant-afford-financial-advice-think-again-2/) - Do you find yourself interested in getting financial advice, but feel limited because you think you can't afford it? You may be surprised to find that the cost of not getting financial advice far outweighs the expense. The truth is, whatever stage in life you are at, good money management and an understanding of how
- [How much money do you need to retire?](https://epgwealth.com.au/how-much-money-do-you-need-to-retire/) - Most people don't begin to consider retirement until they are about to leave their jobs or are forced to. Planning and saving for a happy and financially secure retirement is very important. A little preparation can go a long way toward ensuring that you are both financially and emotionally prepared for the journey ahead.
- [Does Inheritance Tax exist in Australia?](https://epgwealth.com.au/does-inheritance-tax-exist-in-australia/) - Inheriting money and assets can be a significant and life-changing opportunity, however, it also brings on new challenges and complexities with changing goals and needs. There are no inheritance or estate taxes in Australia, which means you won't be taxed on the amount you inherit. However, you may have tax obligations for the assets
- [Investing in Superannuation versus Property: which one generates better long-term returns](https://epgwealth.com.au/investing-in-superannuation-versus-property-which-one-generates-better-long-term-returns/) - When it comes to investing your hard-earned money, two of the most popular options are investing in superannuation and in property. But which one is better for your long-term financial future? Superannuation is a retirement savings account that is designed to help you save money for your retirement. Your employer is legally required to
- [Guiding Your Loved One's Transition to Aged Care](https://epgwealth.com.au/guiding-your-loved-ones-transition-to-aged-care/) - Moving a loved one to an aged care facility can be a difficult decision for families. Whether it's due to health reasons or the need for specialised care, the decision to move a loved one to aged care is never easy. However, with the right planning and preparation, families can make the process smoother
- [Navigating Divorce: A Financial Guide for a Smooth Transition](https://epgwealth.com.au/navigating-divorce-a-financial-guide-for-a-smooth-transition/) - Divorce can be a significant event in a person’s life and has the capacity to have a great impact on their finances. Not only can the process of dividing assets and paying legal fees be expensive, but it can also cause financial stress and uncertainty. Going through a divorce can be a challenging and emotional
- [Why companies should consider offering financial advice for employees](https://epgwealth.com.au/why-companies-should-consider-offering-financial-advice-for-employees/) - In line with PwC’s Annual Employee Financial Wellness Survey and a survey conducted by the Financial Health Network in 2018, personal finances are the number one source of stress for employees. This statistic further extends to higher-income employees, defined as employees who earn an annual household income of $100,000 and above, with 52% stating that
- [What is the Bring Forward Rule?](https://epgwealth.com.au/what-is-the-bring-forward-rule/) - Non-concessional contributions (NCC) refer to contributions made to your super fund from your after-tax income. These contributions are not taxed in your super fund. There is a cap placed on an individual’s NCC. From 1 July 2021 the cap has increased as a result of indexation from $100,000 to $110,000. The Bring Forward Rule, other
- [Recent announcement about the Transfer Balance Cap](https://epgwealth.com.au/recent-announcement-about-the-transfer-balance-cap/) - What is the Transfer Balance Cap? The Transfer Balance Cap refers to a limit set on the total amount of super you are able to rollover into a tax-free retirement account. Following legislation changes on 1 July 2017, the current cap was set at $1.7 million but is likely to change to $1.9 million
- [Understanding the Superannuation Guarantee](https://epgwealth.com.au/understanding-the-superannuation-guarantee/) - Have you ever come across the term ‘Superannuation Guarantee’ and questioned what it means and more importantly, what relevance does it have to you and your retirement. This article will explore the Superannuation Guarantee in depth and delve into the recent legislation changes surrounding the gradual increases of the Superannuation Guarantee Rate. What is
- [What is Sustainable Investing?](https://epgwealth.com.au/what-is-sustainable-investing/) - Have you ever heard the term ‘sustainable investing’ and wondered what it means or how to practice ‘sustainable investing’? Well, the answer is not as complicated as you may think. Sustainable investing refers to when an investor assesses a company based on their Environmental, Social and Governance (ESG) practices to select their investments. In doing
- [How to achieve your financial New Year’s Resolutions](https://epgwealth.com.au/how-to-achieve-your-financial-new-years-resolutions/) - Setting New Year’s resolutions is a common practice for many people over the world, with some people wanting to start going to the gym and others wanting to pick up a new hobby. The new year is a time filled with lots of hope and aspirations, so why not consider some SMART financial goals that
- [Understanding types of super contributions](https://epgwealth.com.au/understanding-types-of-super-contributions-2/) - When looking at different super contributions, there are two main types of contributions that you can generally make into your chosen superfund; these include concessional and non-concessional contributions. Concessional contributions Concessional contributions otherwise known as before-tax contributions, refer to contributions made into your superfund that have not been taxed yet. Once the funds are
- [Mergers and Acquisitions: BHP Petroleum and Woodside](https://epgwealth.com.au/mergers-and-acquisitions-bhp-petroleum-and-woodside/) - Mergers and acquisitions (M&A) involve financial transactions including mergers, acquisitions, consolidations, tender offers, asset purchases and management acquisitions with the primary objective to consolidate companies or their major business assets. Mergers and acquisitions are terms that are often used interchangeably; however, they do hold some key differences. Acquisitions refer to when one company purchases another
- [Simple tips to help you save](https://epgwealth.com.au/simple-tips-to-help-you-save/) - No matter what your goal is, whether it be for purchasing a car, maybe a house or even for retirement, here are some simple steps and tips to consider when looking to build your savings. Choose a goal When it comes to savings, instead of asking how to save, it’s important to understand why
- [A beginner's guide to stock splitting](https://epgwealth.com.au/a-beginners-guide-to-stock-splitting/) - With large companies announcing upcoming stock splits, it’s natural to question ‘What is a Stock Split?’ and ‘What does it mean for me?’. The following article is a beginner's guide stock splitting and how to navigate through the key areas of doubt and uncertainty that many investors experience. What is a Stock Split? A stock
- [To invest or not invest? Common roadblocks faced by young investors](https://epgwealth.com.au/to-invest-or-not-invest-common-roadblocks-faced-by-young-investors/) - To invest or not invest? It’s a common question that many young people are presented with, and a question where many young people fall victim to common misconceptions when it comes to investing their money. The following article will delve into and challenge the top reasons young people tend to not invest. There is too
- [What’s the difference between a real and a paper loss?](https://epgwealth.com.au/whats-the-difference-between-a-real-and-a-paper-loss/) - With continued market volatility partly due to rising interest rates, inflation and an uncertain economic outlook, investors need to make sure they understand the difference between a real and paper loss. The following article will distinguish these two losses and provides investors with some tips on how to reduce the chances of crystalising capital losses
- [How frequently should I be checking my investment returns?](https://epgwealth.com.au/how-frequently-should-i-be-checking-my-investment-returns/) - With access to up-to-date data on the performance of your portfolio, it’s natural to want to see how your investments are progressing. Especially now with poor market performance, it is normal to feel anxious, have doubts and start to question if it’s time to sell. But how frequently should we be checking our investments? Daily?
- [What do I need to know about estate planning?](https://epgwealth.com.au/what-do-i-need-to-know-about-estate-planning/) - Estate planning is one of those things that people forget to think about until later in their lives but is important for those wanting peace of mind and it often involves more than just having a will. The following article will outline the benefits of having the right structures in place to ensure that your
- [What are the benefits of long-term investing?](https://epgwealth.com.au/what-are-the-benefits-of-long-term-investing/) - Whether you are an experienced investor or are just beginning your investment journey, being familiar with the long-term investment approach is pivotal to your investing success. This article will outline the meaning of long-term investing and the associated benefits of adopting this approach when investing in the stock market. What is long term investing? Long-term
- [Should I pay off my mortgage or invest?](https://epgwealth.com.au/should-i-pay-off-my-mortgage-or-invest/) - With interest rates on the rise and the Reserve Bank set to continue raising the cash rate into 2023 to curb inflation, making additional payments towards a mortgage to avoid the additional interest owed is a consideration on the minds of many Australians. The following article will outline the advantages and disadvantages of each approach
- [How much of my salary should I spend?](https://epgwealth.com.au/how-much-of-my-salary-should-i-spend/) - How much of my salary should I spend? Everyone earns different salaries, has different expenses, as well as varying lifestyle choices, however, it is important for all individuals to understand their cost of living and to formulate a budget that works well for them. The following article will outline some useful tips and some considerations
- [How to protect yourself against scams](https://epgwealth.com.au/how-to-protect-yourself-against-scams/) - Scams and instances of fraud are on the rise as they become increasingly sophisticated and convincing. These scams pose considerable financial and privacy risks for Australians of all ages. The ABS has suggested that 11% of Australians were victims of personal fraud in 2020-2021 which has risen from 8.5% in 2014-2015. The following article will
- [What are the risks of not getting financial advice?](https://epgwealth.com.au/what-are-the-risks-of-not-getting-financial-advice/) - Recent data suggests that the number of Australians who have a financial adviser is at an all-time low, with approximately only 10% of all Australian adults receiving formal financial advice. However, it is estimated that around 12.6 million people have unmet advice needs with 40% unable to afford advice. The following article will outline some
- [How can I reduce the cost of my life insurance premiums?](https://epgwealth.com.au/how-can-i-reduce-the-cost-of-my-life-insurance-premiums/) - Life insurance refers to a range of insurance types available to Australians which can help to protect them if unexpected life events that occur. The following article will outline both the different types of policies available as well as the impact of financial advisers charging commissions on insurance policies they recommend, and how you could
- [What is the power of perspective when investing?](https://epgwealth.com.au/what-is-the-power-of-perspective-when-investing/) - Perspective is something which all investors need to have whether markets are climbing and particularly when markets are volatile. The following article will outline how having perspective can help you ride out market volatility and ensure you remained disciplined to your long-term investment strategy. The importance of perspective Perspective is defined as a particular
- [What are the benefits of a pension refresh strategy?](https://epgwealth.com.au/what-are-the-benefits-of-a-pension-refresh-strategy/) - If you are nearing or in retirement you may wish to become acquainted with various strategies that may help to ensure that your pension outlives you. If you would like to learn more about whether a pension refresh strategy could benefit you, keep reading. What is an account-based pension? An account-based pension enables retirees to
- [What are the top financial tips for a new financial year?](https://epgwealth.com.au/what-are-the-top-financial-tips-for-a-new-financial-year/) - What are the top financial tips for a new financial year? With the new financial year upon us and increased market volatility, now is the perfect time for investors to revaluate their current financial position and gain a clear understanding of the direction they are heading in. The following article will outline some useful tips
- [How do I cope with market volatility?](https://epgwealth.com.au/how-do-i-cope-with-market-volatility/) - When market volatility occurs, it is common for investors to deviate from their strategy and act with emotion which causes them to sell down investments to cash to avoid seeing a drop in their holdings. However, understanding market volatility is critical for investors who wish to ensure they continue to boost their investment returns and
- [What are the best ways to deal with market volatility?](https://epgwealth.com.au/what-are-the-best-ways-to-deal-with-market-volatility/) - Market volatility is an inevitable part of investing and therefore it is important that investors arm themselves with the right tools to reduce the impact of market fluctuations on their portfolios. The following article will outline some tips and tricks that you can implement to help you maximise your returns over the long run. What
- [Is a Self-Managed Super Fund (SMSF) right for me?](https://epgwealth.com.au/is-a-self-managed-super-fund-smsf-right-for-me/) - You may have heard of a Self-Managed Super Fund (SMSF) but not really known how they work. A SMSF can offer many benefits, however, it is also essential that those who wish to manage their own super know the array of risks and costs associated with taking this approach. To find out whether this could
- [What are the financial tips your future self will thank you for?](https://epgwealth.com.au/what-are-the-financial-tips-your-future-self-will-thank-you-for/) - It is easy to look at things with the benefit of hindsight once an event has passed and consider the range of options available to you at that time that now seem obvious. The following article will outline some tips that you can implement today to assist you to grow your wealth and reduce the
- [What to invest in when inflation is on the rise?](https://epgwealth.com.au/what-to-invest-in-when-inflation-is-on-the-rise/) - It is likely that you have heard a lot of talk about inflation since the beginning of 2022. After many years at record lows, investors, businesses, and families are bracing for a steep rise in inflation this year fuelled by many economic and market forces. If you would like to know more about how to
- [How do global events affect my finances?](https://epgwealth.com.au/how-do-global-events-affect-my-finances/) - There are constant changes and events occurring all over the globe which can impact economies, governments and everyday people. The COVID 19 pandemic has been one of the most notable events to have occurred this century and has highlighted the importance of not responding to short-term noise and volatility and remaining disciplined to a long-term
- [What are the best sources of financial advice?](https://epgwealth.com.au/what-are-the-best-sources-of-financial-advice/) - The establishment of the internet has allowed both beginner and veteran investors to have greater access to financial information and resources. However, it is important that individuals are aware of the credibility and validity of the information they may use to inform their investment strategy as it can have significant implications on whether you are
- [How financial stress can be detrimental for employees’ productivity](https://epgwealth.com.au/how-financial-stress-can-be-detrimental-for-employees-productivity/) - Prior to the COVID-19 pandemic it was important for organisations and employers to create a workplace culture that supported the wellbeing of employees in a holistic fashion. This not only includes physical health but also mental, emotional and financial wellbeing. The pandemic has placed even more pressure on employers to establish a workplace culture that
- [Why is it important to invest on FACTS and not FOMO?](https://epgwealth.com.au/why-is-it-important-to-invest-on-facts-and-not-fomo/) - With so many emerging new technologies and hype around digital currency, it is hard not to get swept up in the latest and greatest trends. These investment trends are being made more readily accessible to us through the prevalence of social and mainstream media. However, it is important to remain disciplined to the investment fundamental
- [Should I invest in Cryptocurrency?](https://epgwealth.com.au/should-i-invest-in-cryptocurrency/) - Crypto and digital currencies are all the rage at the moment, with over 300 million people using or owning crypto worldwide as of 2021, and over 18,000 businesses already accepting cryptocurrency as a form of payment. Choosing to invest in this form of asset is a decision that only an investor can make themselves, however,
- [What the heck is 'Fintech?'](https://epgwealth.com.au/what-the-heck-is-fintech/) - It is a buzzword that you may have seen in the news or heard your friends, family or colleagues discuss in recent times, but what does ‘Fintech’ actually mean? To learn more about what this phenomenon is all about, continue reading the article below. What is it? Financial Technology or ‘Fintech’ for short, refers to
- [How much money do I need to retire?](https://epgwealth.com.au/how-much-money-do-i-need-to-retire/) - An age-old question that many Australians think about is how much money they need to retire. To find the correct answer that considers your financial and personal circumstances, there are a range of factors to take into consideration. To find out what these are, continue reading the article below. To begin answering this question you
- [Superannuation legislation has changed. Does this affect you?](https://epgwealth.com.au/superannuation-legislation-has-changed-does-this-affect-you/) - A number of legislative changes are are soon to come into effect that could have implications on your superannuation and may even provide you with the ability to contribute additional funds into your super. If you would like to more know about whether these changes affect you, continue reading the article below. 2022 Legislative Update
- [Am I investing or gambling?](https://epgwealth.com.au/am-i-investing-or-gambling/) - It is well known that investing is similar to gambling in the way that it also involves risk and choice. However, there are some key differences that distinguish these two activities. To make sure that you are investing for long term financial success and not gambling your hard-earned money, continue reading the article below. What
- [What is asset allocation and why does it matter?](https://epgwealth.com.au/what-is-asset-allocation-and-why-does-it-matter/) - You may have heard the term asset allocation before and wondered whether it affects your portfolio or investment strategy. The following article will outline the importance of understanding and maintaining your asset allocation throughout your financial journey. What is asset allocation? Asset allocation can be understood as an ‘investment strategy that aims to balance risk
- [What is a margin loan?](https://epgwealth.com.au/what-is-a-margin-loan/) - If you are a seasoned investor, it is a good idea to be familiar with the concept of a margin loan. If you would like to learn more about this form of borrowing and how it could advantage you, continue reading the article below. What is it? A margin loan is a form of loan
- [What is a deed of variation?](https://epgwealth.com.au/what-is-a-deed-of-variation/) - If you are looking into developing your estate plan or are wishing to amend one that is already in place, it is important to be acquainted with how a deed of variation operates. The following article will provide you with some information about how a deed of variation works and when you may need to
- [What happens when I engage with a financial adviser?](https://epgwealth.com.au/what-happens-when-i-engage-with-a-financial-adviser/) - Engaging with a financial adviser may seem like a significant upfront expense, however, the value of this advice is often priceless. This is because financial advisers can help to prevent you from making mistakes that have long term repercussions and are often more costly than the advice itself. The following article will outline the process
- [How should I invest an inheritance?](https://epgwealth.com.au/how-should-i-invest-an-inheritance/) - Receiving an inheritance is something highly personal and often an emotional time, and therefore it is important to obtain advice that is tailored to your circumstances. The following article will outline the potential ways that you can manage your inheritance to assist you to grow your wealth. What is an inheritance? An inheritance can be
- [How can I set financial goals in 2022 that I will actually achieve?](https://epgwealth.com.au/how-can-i-set-financial-goals-in-2022-that-i-will-actually-achieve/) - The beginning of a new year is always associated with New Year’s resolutions and is the perfect time to re-focus on the financial goals you may have let fall to the wayside in 2021. The following article will outline some of the ways you can formulate robust financial goals and how to work towards achieving
- [What are the benefits of contributing to super early?](https://epgwealth.com.au/what-are-the-benefits-of-contributing-to-super-early/) - For many young people, superannuation is unlikely to be a consideration at the forefront of their minds, however, there are many unrivalled benefits of contributing to and maximizing your super from a young age. The following article will outline these benefits and how you can take advantage of them to boost your super account balance.
- [Why do costs matter?](https://epgwealth.com.au/why-do-costs-matter/) - Why do costs matter? Although you don’t have to be rich to start investing, the money you pay in fees may have a significant impact on what is leftover once they are deducted. The following article will outline the different costs of investing and how they may impact your current investment strategy. What are the
- [Cost of financial advice](https://epgwealth.com.au/whats-the-cost-of-financial-advice/) - What’s the cost of financial advice? The cost of obtaining financial advice will vary depending on the complexity and nature of the advice. When it comes to seeking advice, it is important to ensure you conduct some independent research and planning prior to meeting with an adviser so that you understand what it is you
- [Why a man is not a Financial Plan](https://epgwealth.com.au/why-a-man-is-not-a-financial-plan/) - Over the years, research has suggested that there is a large wealth gap between men and women as women tend to invest less than men and often start later in life, with single women having about one-third the wealth that single men do. In conjunction with this, a study conducted by Ellevest found that ‘of
- [What is a Statement of Advice and do I need one?](https://epgwealth.com.au/what-is-a-statement-of-advice-and-do-i-need-one/) - Seeking professional financial advice may be a significant stepping stone to your financial success and freedom, and if you have been considering engaging with a financial adviser it is important to understand what you will receive as part of the service provided. The following article will outline the nature of the formal financial advice you
- [What is portfolio rebalancing and does it affect me?](https://epgwealth.com.au/what-is-portfolio-rebalancing-and-does-it-affect-me/) - An important investing concept you may be familiar with is diversification which you may understand as not putting all your eggs in one basket. One way to manage and ensure a diverse portfolio is maintained is through portfolio rebalancing. This article will provide you with a snapshot of what this means and the benefits it
- [Should I invest in property or ETFs?](https://epgwealth.com.au/should-i-invest-in-property-or-etfs/) - With home prices increasing exponentially due to low-interest rates and with many of the big banks increasing the cost of borrowing, home ownership seems to be out of reach for many Australians. The average property price in Sydney is $1.3 million and even securing a 10% deposit requires at least $130,000 in order to secure
- [What do I need to know for my transition to retirement?](https://epgwealth.com.au/what-do-i-need-to-know-for-my-transition-to-retirement/) - Transitioning to retirement is an important process that should be carried out with ample time and with a particular strategy in mind. It is crucial to ensure that your retirement plan is water-tight with enough flexibility to adapt to any unforeseen changes. The following article will outline some of the non-negotiables that you should consider
- [Do I need to teach my kids about money?](https://epgwealth.com.au/do-i-need-to-teach-my-kids-about-money/) - Being smart with money is a vital life skill that can be taught from a young age. By starting early, parents have the opportunity to establish and build up their children’s financial literacy over time, so that when they come to making big money decisions, they will know what to do. The following article will
- [Will Rising Home Loan Rates Impact me?](https://epgwealth.com.au/will-rising-home-loan-rates-impact-me/) - Following many consecutive months of low interest and home loan rates, Australian banks have finally started to increase the costs of borrowing for mortgages for periods of two to five years. It has been at the forefront of Australian media for the last 12 months, and it has finally occurred. Many Aussies have rushed to
- [Will bond prices impact my shares?](https://epgwealth.com.au/will-bond-prices-impact-my-shares/) - Although bonds and equities are two different asset classes, there is potential for bond prices and yields to impact the performance of your equities, including the prices of ETFs and direct shares. This article will give a high-level overview of the relationship between these two asset classes and how they may potentially affect you. What
- [What are sector-specific ETFs?](https://epgwealth.com.au/what-are-sector-specific-etfs/) - What are sector-specific ETFs? Exchange-traded funds or ETFs are an investment product that have gained increasing popularity since their inception in 1990. These investments which hold a basket of securities offer investors the ability to be exposed to a range of various sectors and asset classes. The following article will outline the difference between sector-specific
- [How do I overcome the fear of investing?](https://epgwealth.com.au/how-do-i-overcome-the-fear-of-investing/) - It is likely that when you started investing you were slightly hesitant about the risks associated with the stock market. However, fear is a powerful emotion, and when harnessed correctly can be used as an important motivator to stay disciplined and committed to your long-term investment plan. The following article will outline some of the
- [Risks of NOT investing in the Stock Market](https://epgwealth.com.au/risks-of-not-investing-in-the-stock-market/) - Did you know there are risks involved with not investing in the stock market? It is common knowledge that investing in the stock market is a risky activity and is associated with the potential of losing the capital that you have invested. A recent study has suggested that 20% of Australians are ‘worried about making
- [Is it worth investing in fixed income assets?](https://epgwealth.com.au/is-it-worth-investing-in-fixed-income-assets/) - When deciding which asset classes to invest in, it is important to consider the varying benefits, costs and risks associated which your available options. The following article will outline some areas which need to be taken into account by all investors when investing in fixed income assets. What are fixed-income assets? Fixed-income assets refer to
- [Should I pay off my HECS debt or Invest?](https://epgwealth.com.au/should-i-pay-off-my-hecs-debt-or-invest/) - A burning question for many young Aussies is whether to pay off their HECS debt or to start investing and growing their wealth. This article will outline some of the considerations that should be taken into account before making this decision. What is HECS? HECS or the Higher Education Contribution Scheme refers to the Commonwealth
- [How do I save for an emergency fund?](https://epgwealth.com.au/how-do-i-save-for-an-emergency-fund/) - Having an emergency fund is a good idea for everyone as you never know when life is going to spring an unexpected surprise or emergency on you. The following article will outline some tips which may assist you in establishing an emergency fund and why they are important. What is an emergency fund? An emergency
- [‘Time in the Market vs Timing the Market’: A Guide to Long-Term Wealth for New Investors](https://epgwealth.com.au/time-in-the-market-vs-timing-the-market-a-guide-to-long-term-wealth-for-new-investors/) - ‘Time in the Market vs Timing the Market’: A Guide to Long-Term Wealth for New Investors ‘Timing the market is more of a threat than time in the market’. This is core to any investor wanting to start a journey that will deliver long-term results without the burden of continuous monitoring. This can even be
- [Should I invest or pay down my debt?](https://epgwealth.com.au/should-i-invest-or-pay-down-my-debt/) - Are you tossing up between the goal of investing and building your wealth and paying down your current levels of debt? The following article will outline some strategies to assist you in determining which course of action to take as well as the associated benefits, costs and risks that should be considered by all investors.
- [What are the benefits of regularly investing?](https://epgwealth.com.au/what-are-the-benefits-of-regularly-investing/) - Whether you are just starting out investing or have been growing your nest egg for a few years, it is important to be well acquainted with the fundamental principles around investing. One of these is the benefits of regular investing and the advantages of implementing a regular investment plan. If you would like to know
- [What is Dollar-Cost Averaging?](https://epgwealth.com.au/what-is-dollar-cost-averaging/) - Whether you are a seasoned investor or new to investing, dollar-cost averaging is an important concept and practice that all investors should become acquainted with. This article will explain this concept and the ways it could benefit your current investment strategy as well as the potential risks that need to be considered. What is it?
- [What is Capital Gains Tax?](https://epgwealth.com.au/what-is-capital-gains-tax/) - It is likely that you have heard of Capital Gains Tax and is something you may come across when tax time rolls around each year. The following article is a quick and informative guide on the basics of Capital Gains Tax. What is it? Capital Gains Tax or CGT will arise when you buy shares,
- [ETFs vs Managed Funds: Which is the best investment for you?](https://epgwealth.com.au/etfs-vs-managed-funds-which-is-the-best-investment-for-you/) - Today, there are many different kinds of assets that investors can put their money into, however knowing the difference between them is important to understand whether you are making the right investment for you. Recent times have seen a strong rise and preference for ETFs which have become a staple in the arsenal of both
- [What are share buybacks?](https://epgwealth.com.au/what-are-share-buybacks/) - The second half of 2018 was characterised as a ‘share buyback blitz’ whereby more than $50 billion was spent by ASX listed companies to buy back their own shares. In more recent news, Commonwealth Bank, ANZ and National Australia Bank are all offering share buybacks to their shareholders, with CBA announcing they would conduct an
- [Are you in the right super fund?](https://epgwealth.com.au/are-you-in-the-right-super-fund/) - Where and how your superannuation is invested is an important decision that all Australians need to consider. Superannuation is one of an individual’s biggest assets and is the money that you put aside whilst you are working to maintain and fund your life in retirement. This is built up over time through both your employer’s
- [What happens to my super when I die?](https://epgwealth.com.au/what-happens-to-my-super-when-i-die/) - You may be wondering what happens to your super when you die. Where the money goes will be contingent on who you nominate to receive your superannuation death benefit, called a beneficiary. To learn more about what happens to your superannuation and who you can nominate as a beneficiary and why it is important, continue
- [What are the differences between wrap and industry super funds?](https://epgwealth.com.au/what-are-the-difference-between-wrap-and-industry-super-funds/) - You may be wondering what superannuation fund is the best choice for you and whether your super is really invested in the most suitable fund. The following article will highlight the advantages and disadvantages of both industry and retail super funds so that you can compare the products available to you. What is superannuation? Superannuation
- [Should I invest in shares or property?](https://epgwealth.com.au/should-i-invest-in-shares-or-property/) - Owning a property, whether it be your principal place of residence, or an investment property has been packaged and sold to Australians as the best form of investment since the middle of the last century. The age-old question of whether to invest in shares or property still has strong proponents on either side of the
- [What do I need to know about life insurance?](https://epgwealth.com.au/what-do-i-need-to-know-about-life-insurance/) - Life insurance, life cover or death cover, all refer to the lump sum paid when the person insured by the cover dies or becomes terminally ill. This money goes to the people who the person nominates as their beneficiaries. If no beneficiary is nominated, the super trustee or estate determines where the money ends up.
- [What is Division 293 Tax?](https://epgwealth.com.au/what-is-division-293-tax/) - Making concessional contributions to your super can not only help to boost your super balance but can also reduce the amount of tax you have to pay on the income you earn. However, if you are a high-income earner, it is important to be aware of the additional tax on super contributions which reduce the
- [What super contributions are available to me?](https://epgwealth.com.au/what-super-contributions-are-available-to-me/) - As the end of the financial year approaches you may be wondering if there are any superannuation contributions you can make to help boost your super balance and set you up for retirement. Australian superannuation is the fourth largest asset pool in the world and in 2017 it had an estimated value of $2.6 trillion
- [How To Guide: Super Contributions](https://epgwealth.com.au/how-to-guide-super-contributions/) - How To Guide: Super Contributions you need to know: The following guide will outline some super contributions you need to know. It must be noted there are strict legislative frameworks around making contributions to your super once you turn 67. Upon turning 67 you must meet a ‘work test’ for particular contributions. Depending on your
- [What is an Enduring Power of Attorney?](https://epgwealth.com.au/what-is-an-enduring-power-of-attorney/) - Why do I need an Enduring Power of Attorney? Whether you have completed your estate plan or are embarking on the process of having a Will drawn up and put in place, you may be asking yourself whether you need an Enduring Power of Attorney. It is important to understand the different Powers of Attorney
- [What are the benefits of co-owning a property?](https://epgwealth.com.au/what-are-the-benefits-of-co-owning-a-property/) - What are the benefits of co-owning a property? You may be interested in investing in or purchasing property but are not able to fund the purchase of an investment property or principal place of residence on your own. Co-Ownership has become a popular way for Australians to get a foot in the property market with
- [How to buy shares in super?](https://epgwealth.com.au/how-to-buy-shares-in-super/) - There is a range of platforms you can use to buy shares in your own name. But did you know you can buy direct shares in your super fund. Many super funds offer a range of investment options – the standard pre-mixed investment options include: Growth Balanced Conservative Ethical Cash Many of us choose to
- [What is Superannuation?](https://epgwealth.com.au/what-is-superannuation/) - Superannuation can be one of an individual’s biggest assets. Put simply, it is the money you put aside which you can access when you retire from working. It is mainly made up of contributions you and your employer make which is (in most cases) is invested into the stock market to accumulate over time. For
- [Should I do a background check of my financial adviser?](https://epgwealth.com.au/should-i-do-a-background-check-of-my-financial-adviser/) - In light of the findings of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry, you may be wondering whether you should investigate the background of your financial planner. This article will discuss the importance of, and how to carry out these checks to ensure that your current or future financial
- [Financial organisation ahead of retirement](https://epgwealth.com.au/financial-organisation-ahead-of-retirement-2/) - Today is the day to: stop, take stock and tackle your finances head on. Is it always tomorrow, next week, next month or next year that you’re going to get your finances in order? It’s important to get on track as soon as possible. The main reason is that no one is going to give
- [What happens to my finances after divorce or separation?](https://epgwealth.com.au/what-happens-to-my-finances-after-divorce-or-separation/) - Divorce or separation is an emotionally traumatic and draining experience. As well as this, you and your former partner will be required to make both legal and financial decisions that will have a significant impact on your future. Therefore, it is vital that both parties are informed and aware of what decisions needs to be
- [Should I save or invest my money?](https://epgwealth.com.au/should-i-save-or-invest-my-money/) - This is an age-old question that many people are still asking themselves; should I save, or should I invest? The following article will outline the difference between putting your money away or trying to make it grow and the associated risks, as well as which option may be the most appropriate for you based on
- [How to Start a Budget](https://epgwealth.com.au/how-to-start-a-budget/) - Please fill out the form below to receive our budgeting tool.
- [Planning for Retirement? What do you need to know?](https://epgwealth.com.au/planning-for-retirement-what-do-you-need-to-know/) - I’m planning for retirement. What do I need to know? Planning for your retirement may seem like a daunting feat or it may merely seem too far away. However, like most things: failing to prepare means you’re preparing to fail - nor can you start too early. Clichés, I know - but there’s a lot
- [Is home ownership a good investment? What are the costs of purchasing a property?](https://epgwealth.com.au/is-home-ownership-a-good-investment-what-are-the-costs-of-purchasing-a-property/) - Purchasing a property does not only include the cost on the price tag, so is buying a property really the best investment? Buying a property is associated with far greater costs than most Australians initially think. This includes the cost of the property as well as legal, mortgage and loan fees, plus council and utility
- [What do I do with my super when I retire?](https://epgwealth.com.au/what-do-i-do-with-my-super-when-i-retire/) - After years (or should we say, decades) of working, you would like to think of your (metaphoric &/or actual) blood, sweat and tears has finally paid off and you can now look forward to enjoying all that super you’ve built up to finally retire on. In this article, we’re talking all things super: we’ll discuss
- [How to Choose your Financial Adviser?](https://epgwealth.com.au/how-to-choose-your-financial-adviser/) - What does a financial adviser do? Do you need help managing your money? A financial adviser is someone who can assist you to meet your financial goals and objectives by providing specific and individual advice tailored to your circumstances. Irrespective of the stage you are at in life, whether this be saving for your first
- [Keys to Destressing your Mortgage](https://epgwealth.com.au/keys-to-destressing-your-mortgage/) - “Don't sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home. According to research conducted by the Centre of Policy Development and the University of Canberra, Australians show a tendency to be over-confident in their ability repay debt, as well as underestimate
- [Mark Welch - Superannuation](https://epgwealth.com.au/finibus-sed-enim/) - Mark talks about: Financial planning and the Royal Commission. Mistakes people make with Super. Super Changes. Investing in property and mortgage attached to property. Capital gains tax and Property.
- [The Importance of Budgeting](https://epgwealth.com.au/the-importance-of-budgeting/) - We have reached that time of year where spending amongst households and individuals is bound to have risen. It is important to monitor spending throughout the year in order to plan accordingly for the future. A budget is essentially a ‘road-map’ for telling your money what to do each month. It simply compares what
- [Five healthy facts to keep you at your best](https://epgwealth.com.au/five-healthy-facts-to-keep-you-at-your-best/) - There are a million health and fitness plans out there, but which ones work and which ones are just fads? Here are five simple facts to help you make your own decisions when it comes to living a healthy and happy life. Get the right amount of sleep How much sleep is enough? According
- [Is an SMSF right for you?](https://epgwealth.com.au/is-an-smsf-right-for-you/) - Self-managed super funds (SMSFs) are the largest and fastest growing super sector in Australia and for many good reasons. But before you start an SMSF, it’s important to weigh up both the advantages and disadvantages and consider seeking advice to determine whether an SMSF is right for you. The advantages SMSFs can offer a number
- [Taxation and your Super](https://epgwealth.com.au/taxation-and-your-super/) - In order to understand how your super withdrawals will be taxed, you need to know a few things: Your preservation age when you receive the payment Whether the payment is income or lump sum The type of super income stream to be received Whether the amount in your super account is tax-free or taxable Whether
- [Ethical Investing](https://epgwealth.com.au/ethical-investing/) - As more and more companies begin to transition to a more ethical approach to their product manufacturing, how hard can it be for investors to also move to ethical investments? To determine how ethical a company is, an investor can examine companies that do not involve themselves in certain business activities. There may be companies
- [Small Business CGT concessions](https://epgwealth.com.au/small-business-cgt-concessions/) - Small Business CGT concessions Small business owners who sell business assets may be eligible for tax concessions on capital gains and may be able to contribute an amount into superannuation to help fund their retirement. Benefits The rate of return inside superannuation may be higher after-tax than investing outside superannuation. This is because earnings inside
- [Keys to de-stressing a mortgage](https://epgwealth.com.au/keys-to-de-stressing-a-mortgage/) - Keys to de-stressing a mortgage July 2020 “Don't sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home. According to the Centre of Policy Development and University of Canberra, Australians have a tendency to be over-confident in our ability to repay loans.
- [Gifting](https://epgwealth.com.au/gifting/) - Gifting Gifting is when you or your partner give away assets or transfer them for less than their market value. You are able to gift assets or money to someone else to help them financially. However, there are rules that apply to limit how much you’re able to gift, without impacting your assessment for Centrelink
- [When To Review Your Super](https://epgwealth.com.au/when-to-review-your-super/) - When To Review Your Super A lot can happen between the time you get your first job and the time you retire. By then, you may be married, have a family, have a property or even been through many different jobs. All of these events will have major impacts on your finances and all of
- [Personal Succession Planning](https://epgwealth.com.au/personal-succession-planning/) - Personal succession planning for families with adult children You would have heard the saying: “where there’s a will, there’s a way”. This statement is usually used to encourage people who are losing enthusiasm for a task or goal. But it also reflects the way many people feel about personal succession planning. They think that so
- [Pension Refresh Strategy](https://epgwealth.com.au/pension-refresh-strategy/) - Pension Refresh Strategy A pension refresh strategy involves commuting an existing pension back to accumulation phase and commencing a new pension to include contributions accumulated since the original pension was initially established. They can be done at any stage throughout the financial year. Starting a pension does not prohibit a person from continuing to make
- [Member Incapacity & Enduring Power of Attorney](https://epgwealth.com.au/member-incapacity-enduring-power-of-attorney/) - Member Incapacity & Enduring Power of Attorney As people age in a Self-Managed Super Fund (SMSF), there becomes an increasing risk that a member may lose their mental capacity. A member losing their mental capacity could lead to them being unable to manage their financial affairs. Without taking into account this could happen, there is
- [Is Investing In Bonds Safe?](https://epgwealth.com.au/is-investing-in-bonds-safe/) - Investing in Bonds To no one’s surprise, there has been renewed interest in government bonds in recent months which are considered safe havens during these troubled times. While no investment is completely risk-free, in comparison to other investment options like shares and property, government bonds are regarded as one of the safer investment types in
- [ETF Myths Debunked](https://epgwealth.com.au/etf-myths-debunked/) - ETF Myths Debunked ETFs as an investment vehicle have gained immense popularity in the last ten years, as investors have begun to prioritise instant and liquid exposure to global markets. Australians currently invest almost $70 billion across 200 products listed on the ASX, with recent data showing cash inflows into ETFs at a record high.
- [Do you know your risk profile?](https://epgwealth.com.au/do-you-know-your-risk-profile/) - When investing your superannuation or pension funds, it is critical to understand your investment risk profile. In any investment, you need to understand how you feel about risk and what levels of risk you are able to tolerate without losing sleep. Different risk profiles influence the appropriate investment asset allocation for a portfolio. Risk tolerance
- [Tips for stress free travel](https://epgwealth.com.au/721-2/) - Top tips for a stress free travel experience Retirement is a fabulous time to branch out and visit places you haven’t been to before or even go back and explore the fabulous places you just haven’t spent enough time at in the past. Travel can be such a wonderful and inspiring experience. However, it can
- [2020-21 Superannuation and Retirement Planning Opportunities](https://epgwealth.com.au/2020-21-superannuation-and-retirement-planning-opportunities/) - 2020-21 Superannuation and Retirement Planning Opportunities Super contribution opportunities Additional contribution opportunities may be possible in 2020/21. With the recent decline in investment markets, where your total superannuation balance (TSB) has fallen below specific thresholds, new contributions may be possible to rebuild wealth. TSB < $1.6 million at 30 June 2020 Making non-concessional contributions up
- [Exchanged Traded Funds (ETFs)](https://epgwealth.com.au/exchanged-traded-funds-etfs/) - Exchanged Traded Funds (ETFs) What is an ETF? An ETF is an open-ended investment fund similar to a managed fund that is traded on the Australian Stock Exchange (ASX). Their aim is to track the performance of a given index or asset class (like the ASX top 200 companies) and provide the returns of that
- [Costs Without Life Insurance](https://epgwealth.com.au/counting-the-cost-of-a-curve-ball/) - Counting the cost of a curve ball Here’s a confronting question: what would you do if the main breadwinner in your household could no longer bring in an income? Do you have a Plan B? Most people don’t. That’s where insurance comes in. Curve balls. They’re unexpected, often deceptive and it’s impossible to predict their
- [International living](https://epgwealth.com.au/international-living/) - International Living There are plenty of good reasons to think about moving overseas. But are you ready to live it up abroad? Whether you’re selling up for retirement, want to be closer to family living overseas, or are just looking for a change of scene or pace — moving abroad has a lot of appeal.
- [Pensioner's Loan Scheme](https://epgwealth.com.au/pensioners-loan-scheme/) - Pensioner's Loan Scheme Overview of Changes The Pension Loans Scheme (PLS) allows older asset-rich, cash-poor pensioners to borrow money from the government against their homes to support their income whilst in retirement. Since 1 July 2019, there have been big changes to the PLS, with new rules regarding the eligibility criteria and withdrawal amounts: The
- [Downsizing](https://epgwealth.com.au/downsizing/) - Downsizing The kids have moved out and the house is starting to feel empty — as well as costing a lot to maintain. So is it time to sell up and buy something smaller? We look at the pros and cons of downsizing the family home. The pros Moving into a smaller home can be
- [Making the most of your redundancy](https://epgwealth.com.au/making-the-most-of-your-redundancy/) - Redundancy If you are leaving your employer due to redundancy, you have a great opportunity to make a fresh start. Now could be the best time for you to think about a career change, become self-employed or consider retiring if you are close to retirement. But regardless of what your next steps might be, it’s
- [Investing In Property](https://epgwealth.com.au/investing-in-property/) - Investing in Property: Things to Consider 1. Income vs growth capital potential: A property can earn you money in two ways: as an asset that increases in value over time, and through rental income. There are many different properties to consider, in which you must ensure they are right for you and aim to fulfill
- [Insurance In Retirement](https://epgwealth.com.au/671-2/) - Insurance in Retirement Your work life has come to an end, so it’s time to let go of the things you don’t need any more. If you are still paying for insurance, make sure it is still suitable for you. Why have personal insurance? Through your working life, you may have taken out some personal
- [Planning For Retirement As An Empty Nester](https://epgwealth.com.au/planning-for-retirement-as-an-empty-nester/) - Planning For Retirement As An Empty Nester Your children have left home, leaving you with time on your hands to do the things you’ve always dreamt of doing. But first of all, here are three things you need to take care of. Who are empty nesters? Empty nesters are a varied group. Many are living
- [Financial Organisation Ahead Of Retirement](https://epgwealth.com.au/financial-organisation-ahead-of-retirement/) - Financial organisation ahead of retirement Today is the day to: stop, take stock and tackle your finances head on. Is it always tomorrow, next week, next month or next year that you’re going to get your finances in order? It’s important to get on track as soon as possible. Here are some important things to
- [Offset Accounts](https://epgwealth.com.au/offset-accounts/) - Offset Accounts Offset accounts a better way to manage your mortgage If you want to repay your mortgage as quickly as possible and still want access to your additional repayments, an offset account may be in your best interests. An offset account is a transaction account that is directly linked to your home loan. The
- [Updates to Superannuation – Guide for New Legislative Changes in 2019](https://epgwealth.com.au/updates-to-superannuation-guide-for-new-legislative-changes-in-2019/) - Updates to Superannuation - Guide for New Legislative Changes in 2019 Background Upon the most recent Hayne’s Royal Commission reform, there have been a few changes that superannuation members should be all be across. Amongst these legislation changes, the Australian Government is aiming to assist superannuation consumers by reducing the excessive fees charged to their
- [Reverse Mortgages](https://epgwealth.com.au/reverse-mortgages/) - Reverse Mortgages Background A reverse mortgage is a loan catered towards pensioners and retirees (ages 60 and above) that lets you borrow money using the equity in your home as security. The loan can be taken as a lump sum, regular income stream, a line of credit or a combination of these, and this cash
- [Basics of Trusts](https://epgwealth.com.au/basics/) - Basics of Trusts Background A trust is simply a vehicle in which one can manage their assets and their estate, whether that be for tax advantages or to provide financial support for a beneficiary. It is viewed as a relationship that is enforced by the courts, in which a trustee holds the assets on behalf
- [The Basics of Concessional and Non-Concessional Contributions](https://epgwealth.com.au/sed-lectus-elit-finibus-sed-enim/) - The Basics of Concessional and Non-Concessional Contributions Background: Often, we are asked why would we make concessional or non-concessional contributions. Super rules are constantly changing and we could use that money to buy an investment property or even spend it. First of all, lets define the main types of contributions: Concessional contributions (CC) are the
- [Super Catch-up Concessional Contributions](https://epgwealth.com.au/sed-lectus-elit/) - Super Catch-up Concessional Contributions Background From the 1st of July 2018, Australians will be able to carry forward concessional super contributions if they have less than $500,000 super balance. They will be able to use the unused concessional contributions over a five-year rolling basis. The annual before tax contribution cap is now a single cap
- [Budgeting](https://epgwealth.com.au/getting-ready-for-your-retirement-now-is-the-time-to-refinance/) - Budgeting Background This topic is probably one of the most important parts of creating wealth but one of the most brushed aside. Unless you can turn on the tap to generate more income, you need to make sure you are spending less than you earn. Common theory states that you should be putting away between
- [Estate Planning and Property](https://epgwealth.com.au/estate-planning-and-property/) - Estate Planning and Property Background We are on the verge of witnessing the largest inter-generational wealth transfer in the history of Australia. Billions of dollars in property will be transferred and not having the right plan or even the right understanding can be costly. A lot can go wrong that will lead to both an
- [Insurance](https://epgwealth.com.au/insurance/) - Insurance Background Whether you are obtaining insurance for the first time or are reviewing your existing cover, it’s important to understand the main types of personal insurance that exist. This area can be complex, and you don’t want to get it wrong by either obtaining too much or not enough. If you never claim on
- [Super Basics](https://epgwealth.com.au/super-basics/) - Super Basics Background Superannuation is one of the most important retirement savings structures you can have but it is also one of the most misunderstood and under used tools you can use to make sure your retirement is comfortable. From unscrupulous property spruikers to your next-door neighbours providing the wrong advice, the average Australian switches
- [Tax on Super & Pension Accounts](https://epgwealth.com.au/tax-on-super-pension-accounts/) - Tax on Super & Pension Accounts Background: Within your Super/Pension accounts, there may be tax payable on not only your contributions but also on earnings inside your super/pension funds. Super Inside super there is a 15% tax payable on any positive earnings. For example if you have a superannuation balance of $200,000 and in the
- [Self-managed Super Fund (SMSF)](https://epgwealth.com.au/self-managed-super-fund-smsf/) - Self-managed Super Fund (SMSF) Background A Self-managed Super Fund is a super fund consisting of 4 or less members, all which are trustees and have direct control over their retirement savings and investments. According to the ATO, although less than 5% of Australians hold an SMSF, SMSFs account for 27% of the $2.7 trillion invested
- [Stepped vs. Level Premiums](https://epgwealth.com.au/stepped-vs-level-premiums/) - Stepped vs. Level Premiums So you’re thinking about taking out or updating your insurance policy, great! You’re half way there! Unfortunately, however, it is not the easiest process and there are minute details that need to be considered to ensure you aren’t paying more than you need! When applying for insurance products such as life,
- [Wills](https://epgwealth.com.au/wills/) - Wills Background According to Finder’s research, 10 million of Australians don’t have a will. This number does not include most people under the age of 18, meaning slightly over 50% of adults still do not have a will. Finder’s research revealed that 14% of adults believed they did not have enough assets to have a
- [How Superannuation Funds Invest Your Money](https://epgwealth.com.au/how-superannuation-funds-invest-your-money/) - How Superannuation Funds Invest Your Money Background Many Australian’s fail to understand the importance behind the investment options within their superannuation fund. Changing your investment style will simply depend on how much risk you are willing to take. However, more factors should be considered when making this decision. Types of Investment Strategies Firstly, lets get
- [Downsizing Rules](https://epgwealth.com.au/downsizing-rules/) - Downsizing Rules Background From July 2018, the government has introduced the downsizing rules. Many Australians have not had a chance to accumulate during a long period of time and don’t have sufficient funds in super or have utilized the funds to live. In order to assist those older Australians in putting extra money into super,
- [Transition to Retirement Income Stream (TTR)](https://epgwealth.com.au/transition-to-retirement-income-stream-ttr/) - Background A transition to retirement is a type of pension that enables you to access part of your super with periodic payments. If you’re still working and receiving an income from your employer or business, you are still able to start a transition to retirement income stream. To access your super this way, you must

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- [Ethical Investing](https://epgwealth.com.au/ethical-investing/)
- [Legal & Privacy Policy](https://epgwealth.com.au/privacy-policy/) - Privacy Policy_All Entities
- [General Advice Warning](https://epgwealth.com.au/general-advice-warning/) - Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. Past performance is not a reliable guide to future returns. The information in this document reflects our understanding of existing legislation, proposed legislation, rulings etc.
- [Terms & Conditions](https://epgwealth.com.au/terms-conditions/) - TERMS AND CONDITIONS This website is operated by: EPG Financial Services Pty Ltd, ABN 41 139 504 699, trading as EPG Wealth; and LRC Financial Services Pty Ltd, ABN 37 169 010 860, trading as EPG Wealth. We are an authorised representative of EPG Wealth Pty Ltd an Australian Financial Services Licensee (No. 529273). These
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## Terminology

- [Blockchain](https://epgwealth.com.au/terminology/earnings-before-interest-taxes-depreciation-and-amortization-ebit/) - A blockchain collects information and groups it together in sets which are known as blocks. It is predominantly used as a ledger for transactions that provides an exact timestamp of when each transaction is added to the chain.
- [Recession](https://epgwealth.com.au/terminology/recession/) - A recession occurs when there is consistent decline in economic performance. Technically, the term is used when there are two consecutive quarters of negative growth.
- [Superannuation](https://epgwealth.com.au/terminology/superannuation/) - Superannuation - superannuation or 'super' is money set asdie while you're working to support your financial needs in retirement. In Australia the current superannuation guarantee payment rate is 10% of your salary as of May 2022.
- [Portfolio Rebalancing](https://epgwealth.com.au/terminology/portfolio-rebalancing/) - Portfolio Rebalancing – This is the process of adjusting your holdings regularly by selling assets and using the proceeds to buy different ones to keep the assets allocations within your original risk profile tolerance.
- [Portfolio](https://epgwealth.com.au/terminology/portfolio/) - Portfolio - A portfolio is a combination of financial investments such as bonds, cash, stocks or other financial assets that you own with the expectation that it will grow in value over time and/or earn a return. When creating your portfolio diversification and risk profile are major factors to take into consideration.
- [Work Test](https://epgwealth.com.au/terminology/work-test/) - Once an individual reaches age 67, they are no longer eligible to make contributions into super without meeting the government's work test. This means being 'gainfully employed' means working at least 40 hours in a period of 30 consecutive days during the same financial year that you wish to make any contribution. A written declaration
- [Disposable income](https://epgwealth.com.au/terminology/disposable-income/) - Disposable income is the amount of money that an individual or household has to spend or save after income taxes have been deducted.
- [Emergency Fund](https://epgwealth.com.au/terminology/emergency-fund/) - An emergency fund is a pool of money that is set aside to cover any urgent or unexpected costs. This could include car repairs, unexpected travel, or any urgent medical costs due to an unexpected injury or illness that may arise. To read more about how you can start building one up, click here.
- [Value Stocks](https://epgwealth.com.au/terminology/value-stocks/) - Value stocks are said to be 'cheap' against their earnings and long-term potential. These types of stocks are normally more well-established and larger than growth stocks, but are considered value due to the current price being considered under-valued relative to what analysts believe the stock is worth.
- [Growth Stocks](https://epgwealth.com.au/terminology/growth-stocks/) - Growth stocks are companies found in small-, mid- and large-cap sectors that have the potential to outperform the market. This is largely based on the solid financials of the company. An alternate to growth stocks is value stocks.
- [Emerging Market](https://epgwealth.com.au/terminology/emerging-market/) - An emerging market is based on an economy that is undertaking significant reform - normally developing nations. Generally, these types of markets are transitioning away from a low-income and less-developed economy, into a more middle-income and developed economy. It is at this stage where those invested in an emerging market can see greater returns due
- [Bond](https://epgwealth.com.au/terminology/bond/) - An investment option generally issued by governments and companies. These pay a fixed interest amount on a regular basis for the life of the investment. The initial investment is paid upon maturity.
- [Share Buy-backs](https://epgwealth.com.au/terminology/share-buy-backs/) - Share buybacks occur where a company makes an offer to re-purchase some of its shares from existing shareholders which reduces the number of shareholders in the company. To read more about how these work, click here.
- [Franking Credits](https://epgwealth.com.au/terminology/franking-credits/) - A franking credit is a type of tax credit paid by corporations to their shareholders along with their dividend payments as the corporate has already paid tax on the dividends they distribute to shareholders which reduces or eliminates double taxation.
- [Fund Manager](https://epgwealth.com.au/terminology/fund-manager/) - A fund manager is responsible for controlling the pool of assets within a fund on behalf of its investors who are allocated a number of units within the fund.
- [Enduring Power of Attorney](https://epgwealth.com.au/terminology/enduring-power-of-attorney/) - An Enduring Power of Attorney is an individual who is appointed to make both financial and legal decisions for a person once they lose the mental capacity or ability to do so.
- [Joint Tenants](https://epgwealth.com.au/terminology/joint-tenants/) - Joint tenants is where a property is owned by two or more people with each person owning an equal share. If one of the owners passes away the property automatically is passed to the other joint tenant(s), regardless of what is set out in the deceased will. To learn more about joint tenancy, click here.
- [Self-managed Super Funds (SMSF)](https://epgwealth.com.au/terminology/self-managed-super-funds-smsf/) - A self-managed super fund is a private super fund you manage yourself. In an SMSF you choose the investments and insurance and run every aspect of the fund yourself. While having control over your own Super can be appealing, it’s a lot of work and comes with risk. To learn more on SMSF please click
- [Wrap Super Funds](https://epgwealth.com.au/terminology/retail-super-funds/) - Wrap platforms are a lot more flexible and allow individuals to invest in managed funds and direct shares unlike industry and retail funds. This platform tends to be a bit more expensive as it offers greater flexibility to investing. To learn more about wrap super funds please click here
- [Industry Super Funds](https://epgwealth.com.au/terminology/industry-super-funds/) - Industry super funds are funds designed to cater for members of a specific industry. However, most industry super funds are available to the public and offer limited investments similar to a retail super fund. To learn more on industry super funds please click here
- [Retail Super Funds](https://epgwealth.com.au/terminology/retail-super-funds-2/) - Retail super funds are usually run by banks or investments companies which anyone can join. They offer a limited range of investment options and tend to have lower costs than other types of funds due to the limited investment options. To learn more about retail super funds please click here
- [Power of Attorney](https://epgwealth.com.au/terminology/power-of-attorney/) - A General Power of Attorney gives someone the legal ability to act on someone else’s behalf in financial matters if for any reason they are unable to manage these matters themselves. A General Power of Attorney does not allow the attorney to continue to act on your behalf after you have lost capacity, this requires
- [Life Cover](https://epgwealth.com.au/terminology/life-cover/) - Life cover is an insurance policy that pays a set amount of money to the insured person’s beneficiaries when the insured person dies. Also known as term life insurance or death cover. To learn more about life cover please click here
- [Will](https://epgwealth.com.au/terminology/will/) - A Will is a legal document that sets out how your assets and other belongings are to be distributed when you die. To learn more about Wills please click here
- [Asset Allocation](https://epgwealth.com.au/terminology/asset-allocation/) - Asset allocation is an investment strategy that aims to balance risk and reward by allocating a portfolio’s assets among different asset classes according to an investor’s goals, risk tolerance and investment horizon. To learn more about asset allocation click here
- [Managed Fund](https://epgwealth.com.au/terminology/managed-fund/) - A managed fund involves pooling together money from different investors into one fund that is invested and controlled by a professional investment manager. Funds can contain only a single asset class or a mix of different asset classes. To learn more about managed funds please click here
- [Exchange Traded Funds (ETFs)](https://epgwealth.com.au/terminology/exchange-traded-funds-etfs/) - ETFs are units in managed funds that can be invested in a number of different asset sectors but have the ability to be traded in the same manner as a direct share. To learn more about ETFs please click here
- [Beneficiary](https://epgwealth.com.au/terminology/beneficiary/) - Someone who receives a benefit or asset in the event of the owner passing away. To learn more about beneficiaries please click here
- [Retirement Planning](https://epgwealth.com.au/terminology/retirement-planning/) - Retirees are more concerned about wealth protection and spending with a focus on ensuring a steady income stream throughout retirement rather than growing wealth. Decisions need to be made on how to invest in the most tax effective manner, but always considering a client’s appetite for risk. Changes in government legislation and the economic environment
- [Concessional Super Contribution](https://epgwealth.com.au/terminology/concessional-super-contribution/) - Concessional Super Contributions are payments made into your Superannuation fund from pre-tax income. This includes employer super guarantee (SG) contributions. Concessional contributions are generally taxed at 15% once received by your super fund. Anyone earning $250,000 or more will have their concessional contributions taxed at 30%. To learn more about concessional contributions click here
- [Non-concessional Contribution](https://epgwealth.com.au/terminology/non-concessional-contribution/) - A contribution to a complying superannuation fund that are made from after tax income. For the 2018/2019 year, the annual non-concessional contributions cap is $100,000. To learn more about superannuation contributions click here
- [Volatility](https://epgwealth.com.au/terminology/volatility/) - Volatility is the measure of variation in price of different types of investments over a certain time. To learn more about volatility click here
- [Financial Planning](https://epgwealth.com.au/terminology/booo/) - Financial planning is the process in which a financial planner assist individuals, families, professionals and business owners to prepare and organize their financial affairs so they can accomplish their short term, medium and long term financial and personal goals. The planning often covers cash flow management, retirement planning, investment planning, financial risk management, tax strategies,
- [Account Based Pension](https://epgwealth.com.au/terminology/cdfd/) - An Account Based Pension is a regular income stream purchased with money that has been accumulated through super. After you have reached preservation age, you can start an Account Based Pension with regular income derived from the assets held in that account. Generally, the investment earnings are tax free and the pension payments are also
- [Pension Refresh](https://epgwealth.com.au/terminology/pension-refresh/) - A pension refresh strategy involves commuting an existing pension and commencing a new pension to include contributions accumulated since the original pension was initially established.
- [Salary Sacrifice](https://epgwealth.com.au/terminology/salary-sacrifice/) - An amount of pre-tax salary that an employee decides to contribute to super instead of taking it as cash. If you would like to learn more - please click here
- [Bottom-up Investing](https://epgwealth.com.au/terminology/bottom-up-investing/) - Investment based on analysis of individual companies, whereby that company's history, management, and potential are considered more important than general market or sector trends (as opposed to top-down investing).
- [Top-down Investing](https://epgwealth.com.au/terminology/top-down-investing/) - An investment strategy which finds the best sectors or industries to invest in, based on analysis of the corporate sector as a whole and general economic trends (as opposed to bottom up investing).
- [Market Capitalisation](https://epgwealth.com.au/terminology/market-capitalisation/) - A measure of a company's size, calculated by multiplying the total number of shares in issue by the current share price. Companies are commonly grouped according to size as small cap, mid cap or large cap.
- [Unrealised Capital Gain](https://epgwealth.com.au/terminology/unrealised-capital-gain/) - Occurs when an investment increases in value but is not sold or realised.
- [Hedge Funds](https://epgwealth.com.au/terminology/hedge-funds/) - An investment fund where the fund manager is authorised to use derivatives and borrowing to provide a higher return, albeit at a higher risk.
- [Capital Gains Tax](https://epgwealth.com.au/terminology/capital-gains-tax/) - A tax on the gains of an investment, payable only when the capital gain is realised by selling the investment.
- [Blue Chip Shares](https://epgwealth.com.au/terminology/blue-chip-shares/) - Shares in well established companies that have shown ability to pay dividends in uncertain markets.
- [Default](https://epgwealth.com.au/terminology/default/) - Failure to meet a debt obligation.
- [Credit Rating](https://epgwealth.com.au/terminology/credit-rating/) - Rating applied to a company’s debt or debt security that indicates the company’s relative creditworthiness. The most well-known ratings are issued by US ratings companies Moody’s Investors Services or Standard & Poor’s. Debt issuers pay these companies to rate their debt to make it easier to attract investors.
- [Convertible Notes](https://epgwealth.com.au/terminology/convertible-notes/) - Securities that are convertible into the ordinary shares of a company at a pre-set price or ratio at specified times. Convertible notes are attractive to some investors because they display certain properties of bonds and shares.
- [Basis point](https://epgwealth.com.au/terminology/basis-point/) - One hundredth of 1 per cent: 100 basis points equals 1 per cent.
- [All Ordinaries Accumulation Index](https://epgwealth.com.au/terminology/all-ordinaries-accumulation-index/) - An index which measures movements in the value of the major shares listed on the Australian Stock Exchange. It takes into account the capital appreciation and dividends of the 500 largest listed companies.
- [Inflation](https://epgwealth.com.au/terminology/inflation/) - The sustained increase in the general price level of goods and services in an economy over a period of time.
- [Indexing](https://epgwealth.com.au/terminology/indexing/) - A low-risk investment management strategy in which, the investor trades according to the performance of a market as a whole, rather than particular stocks or assets.
- [Buy/sell spread](https://epgwealth.com.au/terminology/buy-sell-spread/) - The buy/sell spread is the difference between the entry (buy) and exit (sell) prices of the fund, and is charged as a percentage of the value of the trade you’re making. The buy/sell spread helps the fund cover transaction costs involved in the fund buying or selling assets, such as brokerage fees, bank fees, and
- [Management Fee](https://epgwealth.com.au/terminology/management-fee/) - Management fees are the cost of having an investment fund professionally managed by an investment manager. The management fees cover not only the cost of paying the managers but also the costs of investor relations and any administrative costs.
- [Hedging](https://epgwealth.com.au/terminology/hedging/) - Risk management strategy employed to offset losses in investments by taking an opposite position in a related asset.
- [Dividend](https://epgwealth.com.au/terminology/dividend-2/) - The distribution of part of the earnings of a company to its shareholders.
- [Futures](https://epgwealth.com.au/terminology/dividend/) - A derivative, an obligation to make or take delivery of a specified quantity and quality of an underlying asset at a particular time in the future and at a price agreed when the contract was executed.
- [Cost Basis](https://epgwealth.com.au/terminology/cost-basis-2/) - The original value of an asset for tax purposes, usually the purchase price, adjusted for stock splits, dividends and return of capital distributions.
- [Deferred Annuity](https://epgwealth.com.au/terminology/cost-basis/) - A contract with an insurance company that promises to pay the owner a regular income, or a lump sum, at some future date
- [Return on Investment (ROI)](https://epgwealth.com.au/terminology/return-on-investment-roi/) - A calculation that works out how efficient a business is at generating profit from the original equity from the owners/shareholders. It's a way of thinking about the benefit (return) of the money you invest into the business. To calculate ROI, divide the gain (net profit) of the investment by the cost of the investment. The
- [Sequence Risk](https://epgwealth.com.au/terminology/sequence-risk/) - Danger that the timing of withdrawals from a retirement account will damage the investor's overall return. Account withdrawals during a bear market are more costly than the same withdrawals in a bull market. A diversified portfolio can protect your savings against sequence risk.
- [Interest Rate](https://epgwealth.com.au/terminology/interest-rate/) - A percentage used to calculate the cost of borrowing money or the amount you will earn. Rates vary from product to product and generally the higher the risk of the loan, the higher the interest rate. Rates may be fixed or variable.
- [Interest](https://epgwealth.com.au/terminology/interest/) - The cost of borrowing money on a loan or earned on an interest-bearing account.
- [Cash Rate](https://epgwealth.com.au/terminology/cash-rate/) - The official cash rate is the term used in Australia and New Zealand for the bank rate and is the rate of interest which the central bank (RBA) charges on overnight loans between commercial banks.
- [Fixed Interest](https://epgwealth.com.au/terminology/fixed-interest/) - Interest paid on investments such as bonds and debentures, paid at a predetermined and unchanging rate for a specified period.
- [Bull Market](https://epgwealth.com.au/terminology/bull-market/) - A market which is likely to rise; a situation where a dealer is more likely to buy than sell stock/currency/commodities and therefore establish a bull position. A bull with a long position hopes to sell his purchases at a higher price after the market has risen.
- [Bear Market](https://epgwealth.com.au/terminology/bear-market/) - A market which is likely to fall; a situation where a dealer is more likely to sell an asset, even to the extent of selling assets which the dealer does not have. The bear hopes to close his short position by buying at a lower price than the assets he has contracted to deliver. The
- [Annuity](https://epgwealth.com.au/terminology/annuity/) - A form of life insurance which operates to provide retirement income. The person who takes out the annuity pays the life office a lump sum and in return receives a series of payments.
- [Separately Managed Account (SMA)](https://epgwealth.com.au/terminology/separately-managed-account-sma/) - A separately managed account (SMA) is a customised share portfolio where the assets are owned by individual investors. An investment is allocated across one or more available investment models, which will determine the portfolio allocation between shares.
- [Reversionary Beneficiary](https://epgwealth.com.au/terminology/reversionary-beneficiary/) - A reversionary beneficiary is the person who will receive the balance of your death benefit as an income stream. Only spouses, certain children and dependants are eligible to become reversionary beneficiaries.
- [Income Protection Insurance](https://epgwealth.com.au/terminology/income-protection-insurance/) - Pays the insurer a regular income for a specified period if you cannot work due to a temporary disability or illness
- [Total and Permanent Disability (TPD) Insurance](https://epgwealth.com.au/terminology/total-and-permanent-disability-tpd-insurance/) - Pays the insurer a benefit if they become seriously disabled and are unlikely to work again
- [Waiting Period](https://epgwealth.com.au/terminology/waiting-period/) - An agreed amount of time after you suffer from a disabling sickness or injury - usually between two weeks and two years - before you become eligible to make an insurance claim
- [Benefit Period](https://epgwealth.com.au/terminology/benefit-period/) - The maximum amount of time for which you could receive benefit payouts as part of an insurance policy
- [Record of Advice (ROA)](https://epgwealth.com.au/terminology/record-of-advice/) - A Record of Advice (ROA) is a document of advice detailing smaller changes (less than 10%) to an investment portfolio whereby the client's circumstances and the basis of advice has not changed since the last provided Statement of Advice (SOA)
- [Ongoing Service Agreement (OSA)](https://epgwealth.com.au/terminology/ongoing-service-agreement/) - Under legislation, advisers must request their clients who pay an ongoing service fee to agree to renew their advice agreements every 2 years, through an ongoing service agreement.
- [Fee Disclosure Statement](https://epgwealth.com.au/terminology/fee-disclosure-statement/) - Additionally, a fee disclosure statement outlining the fees charged and services produced in the previous 12 months must be provided to clients paying ongoing fee.
- [Financial Services Guide (FSG)](https://epgwealth.com.au/terminology/financial-services-guide-fsg/) - When a client seeks financial service, they must be provided with a financial services guide (FSG). An FSG is a document that contains information about the financial adviser, the range of services offered, the fees charged and how the adviser will deal with the client’s confidential information.
- [Risk Tolerance](https://epgwealth.com.au/terminology/risk-tolerance/) - Measuring and determining your risk tolerance, usually through a risk profile questionnaire, is the first step to take before choosing the best investments to achieve your financial goals. Risk tolerance refers to the amount of volatility, or market ups and downs, an investor can tolerate. Financial planners often use risk tolerance to categorize investors as
- [Product Disclosure Statement (PDS)](https://epgwealth.com.au/terminology/record-of-advice-roa/) - When a client wishes to buy a financial product, they must be provided with a product disclosure statement, which is prepared by the issuer of the financial product. The objective of the PDS is to help consumers compare and make informed choices about financial products.
- [Yield](https://epgwealth.com.au/terminology/yield/) - The measure of return on an investment displayed as a percentage (calculated by dividing the income generated by the asset in the current capital value of the asset)
- [Unit Price](https://epgwealth.com.au/terminology/unit-price/) - The unit price is the price that reflects the value of the investments held within a fund at a point in time. Prices can represent a group of different investments and this will be reflected in the unit price based on the proportion of each investment, which is called the weighted average.
- [Statement of Advice (SOA)](https://epgwealth.com.au/terminology/statement-of-advice-soa/) - An SOA is a document that outlines the advice given to a client by a financial adviser. It will include the basis on which the advice is given, details of the client & information regarding any benefits or payments the adviser or licensee will receive as a result of the advice given in the SOA.
- [Preserved Benefit](https://epgwealth.com.au/terminology/preserved-benefit/) - The preserved benefit is the amount that is required to be preserved and kept within the fund until the member meets a condition of release. (Condition of release: retirement, total and permanent disability, death, reaching age 65 etc.)
- [Option](https://epgwealth.com.au/terminology/option/) - An option is a type of derivative. It is a contract that gives the holder the right but not the obligation to purchase or sell an asset at a specified price during certain time frames.
- [Marginal Tax Rate](https://epgwealth.com.au/terminology/marginal-tax-rate/) - Marginal tax rate is the highest rate of tax a taxpayer pays on their income. Please see below table for 2018/19 marginal tax rates. Taxable Income Tax on this income $0 - $18,200 Nil $18,201 - $37,000 19c for every dollar over $18,200 $37,001 - $90,000 $3,572 + 32.5c for every
- [Liquidity](https://epgwealth.com.au/terminology/liquidity/) - Liquidity to refers to the ease an investment can be converted into cash or access in a short time frame.
- [Industry Funds](https://epgwealth.com.au/terminology/industry-funds/) - Industry superannuation funds were originally created to provide retirement benefits for workers of specific sectors. Generally, they are cheap options but don’t offer a wide range of investment options and are less flexible when it comes to reporting and distributions. Industry funds are usually non-for profit and returns profits to members.
- [Gross Income](https://epgwealth.com.au/terminology/gross-income/) - Gross income is a person’s total pay before taxes or any other deductions have been applied. Once the taxes and deductions have been worked out you will receive a net income. The gross income can be used as the base to calculate your superannuation entitlements.
- [Employment Termination Payment (ETP)](https://epgwealth.com.au/terminology/employment-termination-payment-etp/) - An ETP is generally a lump sum payment made as a result of the termination of a person’s employment. It can be constituted by: • Payments for unused sick leave or unused rostered days off • Compensation for loss of job or wrongful dismissal • An agreed golden handshake deal • Certain payments made after
- [Defined Benefit Schemes](https://epgwealth.com.au/terminology/defined-benefit-schemes/) - Defined benefit schemes are traditionally associated with large corporate and public-sector superannuation funds. Essentially, the final benefit amount is calculated by several variables, including but not limited to age, time as a member or duration of employment and salary. Because the benefit is not subject to the market performance, it provides members with a degree
- [Hybrid Securities](https://epgwealth.com.au/terminology/hybrid-securities/) - A hybrid security a term used to describe a security that combines certain elements and characteristics of a debt security and an equity security. These types of securities typically promise to pay a rate of return (fixed or floating) for a certain period. However, they also have equity like features, meaning they can provide a
- [Consumer Price Index (CPI)](https://epgwealth.com.au/terminology/consumer-price-index-cpi/) - The Consumer Price Index is a measure of the periodic change in the price of a constant basket of basic goods and services. The goods and services are representative of the consumption by residents in a household of a specific area. The basket can’t include all the items households consume but it does include the
- [Beta](https://epgwealth.com.au/terminology/aeeenjg/) - Beta is the measure of risk or volatility of a stock or a portfolio compared to a benchmark or index fund that represents the entire market. The beta will indicate if the investment is more or less volatile than the entire market. Generally, a market portfolio would be represented with an exact beta of 1.
- [Diversification](https://epgwealth.com.au/terminology/diversification/) - Diversification is an investment strategy that involves mixing the amount, values and types of assets held within a portfolio to spread risk and minimise losses. Diversification doesn't guarantee gains or protect against losses, it manages the risk/reward trade off by selecting a mix of investments to help you achieve more consistent returns over time.
- [Alpha](https://epgwealth.com.au/terminology/abhghgg/) - Alpha is considered to be the active return on an investment measured against a market index or benchmark which would represent the markets movement as an entirety. The difference between the investments return and the markets benchmark index is the investments Alpha. It may be positive, negative or zero and is usually a result of
- [Asset Class](https://epgwealth.com.au/terminology/asset-class/) - A category of investments with similar characteristics and market behaviours. Examples include fixed interest, property, cash and shares.
- [Sophisticated Investor](https://epgwealth.com.au/terminology/sophisticated-investor/) - An investor who has had a gross annual income of $250,000 or more in each of the previous two years or has net assets of at least $2.5 million, as prescribed by the Corporations Regulations Act 2001 (reg 6D.2.03 and reg 7.1.28)
- [Corporate Bond](https://epgwealth.com.au/terminology/corporate-bond/) - A debt security issued by a company to investors to raise money to finance its business activities. Also known as a fixed-income securities as the issuer promises to pay a specific amount of interest on a regular basis and repay the principle on a set date.
- [Trust Deed](https://epgwealth.com.au/terminology/trust-deed/) - A formal and legal document that outlines the rules under which the trustees must act and operate.

## Master Addons Items

- [mastermega-content-megamenu-menuitem](https://epgwealth.com.au/mastermega-content/mastermega-content-megamenu-menuitem/)

## Categories

- [Investments](https://epgwealth.com.au/category/investments/)
- [Retirement](https://epgwealth.com.au/category/retirement/)
- [Budgeting](https://epgwealth.com.au/category/budgeting/)
- [Superannuation](https://epgwealth.com.au/category/superannuation/)
- [Financial Planning](https://epgwealth.com.au/category/financial-planning/)
- [Estate Planning](https://epgwealth.com.au/category/estate-planning/)
- [Property](https://epgwealth.com.au/category/property/)
- [Insurance](https://epgwealth.com.au/category/insurance/)
- [Debt](https://epgwealth.com.au/category/debt/)
- [Lifestyle](https://epgwealth.com.au/category/lifestyle/)
- [Tax](https://epgwealth.com.au/category/tax/)

## Tags

- [property](https://epgwealth.com.au/tag/property/)
- [downsizing](https://epgwealth.com.au/tag/downsizing/)
- [retirement](https://epgwealth.com.au/tag/retirement/)
- [over 65](https://epgwealth.com.au/tag/over-65/)
- [superannuation](https://epgwealth.com.au/tag/superannuation/)
- [pension](https://epgwealth.com.au/tag/pension/)
- [financial planning](https://epgwealth.com.au/tag/financial-planning/)
- [financial adviser](https://epgwealth.com.au/tag/financial-adviser/)
- [financial advisor](https://epgwealth.com.au/tag/financial-advisor/)
- [saving](https://epgwealth.com.au/tag/saving/)
- [annuity](https://epgwealth.com.au/tag/annuity/)
- [concessional](https://epgwealth.com.au/tag/concessional/)
- [non-concessional](https://epgwealth.com.au/tag/non-concessional/)
- [budgeting](https://epgwealth.com.au/tag/budgeting/)
- [investing](https://epgwealth.com.au/tag/investing/)
- [investments](https://epgwealth.com.au/tag/investments/)
- [investment portfolio](https://epgwealth.com.au/tag/investment-portfolio/)
- [risk](https://epgwealth.com.au/tag/risk/)
- [volatility](https://epgwealth.com.au/tag/volatility/)
- [risk profile](https://epgwealth.com.au/tag/risk-profile/)
- [managing risk](https://epgwealth.com.au/tag/managing-risk/)
- [loss](https://epgwealth.com.au/tag/loss/)
- [gain](https://epgwealth.com.au/tag/gain/)
- [divorce](https://epgwealth.com.au/tag/divorce/)
- [separation](https://epgwealth.com.au/tag/separation/)
- [financial agreement](https://epgwealth.com.au/tag/financial-agreement/)
- [prenuptial](https://epgwealth.com.au/tag/prenuptial/)
- [familylaw](https://epgwealth.com.au/tag/familylaw/)
- [relationships](https://epgwealth.com.au/tag/relationships/)
- [marriage](https://epgwealth.com.au/tag/marriage/)
- [contributions](https://epgwealth.com.au/tag/contributions/)
- [tax effective](https://epgwealth.com.au/tag/tax-effective/)
- [tax savings](https://epgwealth.com.au/tag/tax-savings/)
- [costs](https://epgwealth.com.au/tag/costs/)
- [fees](https://epgwealth.com.au/tag/fees/)
- [upfront](https://epgwealth.com.au/tag/upfront/)
- [ongoing](https://epgwealth.com.au/tag/ongoing/)
- [packages](https://epgwealth.com.au/tag/packages/)
- [advice](https://epgwealth.com.au/tag/advice/)
- [insurance](https://epgwealth.com.au/tag/insurance/)
- [commissions](https://epgwealth.com.au/tag/commissions/)
- [background checks](https://epgwealth.com.au/tag/background-checks/)
- [australian financial services](https://epgwealth.com.au/tag/australian-financial-services/)
- [asic](https://epgwealth.com.au/tag/asic/)
- [afs](https://epgwealth.com.au/tag/afs/)
- [license](https://epgwealth.com.au/tag/license/)
- [register](https://epgwealth.com.au/tag/register/)
- [certified](https://epgwealth.com.au/tag/certified/)
- [financial](https://epgwealth.com.au/tag/financial/)
- [planning](https://epgwealth.com.au/tag/planning/)
- [adviser](https://epgwealth.com.au/tag/adviser/)
- [credentials](https://epgwealth.com.au/tag/credentials/)
- [transparency](https://epgwealth.com.au/tag/transparency/)
- [coownership](https://epgwealth.com.au/tag/coownership/)
- [joint tenancy](https://epgwealth.com.au/tag/joint-tenancy/)
- [tenants in common](https://epgwealth.com.au/tag/tenants-in-common/)
- [first home buyers](https://epgwealth.com.au/tag/first-home-buyers/)
- [stamp duty](https://epgwealth.com.au/tag/stamp-duty/)
- [mortgage](https://epgwealth.com.au/tag/mortgage/)
- [loans](https://epgwealth.com.au/tag/loans/)
- [finance](https://epgwealth.com.au/tag/finance/)
- [long term](https://epgwealth.com.au/tag/long-term/)
- [investment](https://epgwealth.com.au/tag/investment/)
- [stocks](https://epgwealth.com.au/tag/stocks/)
- [shares](https://epgwealth.com.au/tag/shares/)
- [lifecover](https://epgwealth.com.au/tag/lifecover/)
- [policy](https://epgwealth.com.au/tag/policy/)
- [death](https://epgwealth.com.au/tag/death/)
- [trauma](https://epgwealth.com.au/tag/trauma/)
- [critical](https://epgwealth.com.au/tag/critical/)
- [illness](https://epgwealth.com.au/tag/illness/)
- [premiums](https://epgwealth.com.au/tag/premiums/)
- [trust](https://epgwealth.com.au/tag/trust/)
- [trustee](https://epgwealth.com.au/tag/trustee/)
- [beneficiary](https://epgwealth.com.au/tag/beneficiary/)
- [high](https://epgwealth.com.au/tag/high/)
- [income](https://epgwealth.com.au/tag/income/)
- [earners](https://epgwealth.com.au/tag/earners/)
- [testamentary](https://epgwealth.com.au/tag/testamentary/)
- [tax](https://epgwealth.com.au/tag/tax/)
- [wealth](https://epgwealth.com.au/tag/wealth/)
- [growth](https://epgwealth.com.au/tag/growth/)
- [minimisation](https://epgwealth.com.au/tag/minimisation/)
- [effective](https://epgwealth.com.au/tag/effective/)
- [diversification](https://epgwealth.com.au/tag/diversification/)
- [fund](https://epgwealth.com.au/tag/fund/)
- [superfund](https://epgwealth.com.au/tag/superfund/)
- [stock market](https://epgwealth.com.au/tag/stock-market/)
- [super](https://epgwealth.com.au/tag/super/)
- [industry](https://epgwealth.com.au/tag/industry/)
- [wrap](https://epgwealth.com.au/tag/wrap/)
- [superfunds](https://epgwealth.com.au/tag/superfunds/)
- [financial advice](https://epgwealth.com.au/tag/financial-advice/)
- [returns](https://epgwealth.com.au/tag/returns/)
- [money](https://epgwealth.com.au/tag/money/)
- [buy](https://epgwealth.com.au/tag/buy/)
- [backs](https://epgwealth.com.au/tag/backs/)
- [ASX](https://epgwealth.com.au/tag/asx/)
- [stock broker](https://epgwealth.com.au/tag/stock-broker/)
- [managed fund](https://epgwealth.com.au/tag/managed-fund/)
- [fund manager](https://epgwealth.com.au/tag/fund-manager/)
- [etfs](https://epgwealth.com.au/tag/etfs/)
- [share market](https://epgwealth.com.au/tag/share-market/)
- [cgt](https://epgwealth.com.au/tag/cgt/)
- [taxation](https://epgwealth.com.au/tag/taxation/)
- [capital](https://epgwealth.com.au/tag/capital/)
- [gains](https://epgwealth.com.au/tag/gains/)
- [accouting](https://epgwealth.com.au/tag/accouting/)
- [accountant](https://epgwealth.com.au/tag/accountant/)
- [return](https://epgwealth.com.au/tag/return/)
- [covid](https://epgwealth.com.au/tag/covid/)
- [pandemic](https://epgwealth.com.au/tag/pandemic/)
- [government](https://epgwealth.com.au/tag/government/)
- [assistance](https://epgwealth.com.au/tag/assistance/)
- [support](https://epgwealth.com.au/tag/support/)
- [centrelink](https://epgwealth.com.au/tag/centrelink/)
- [disaster](https://epgwealth.com.au/tag/disaster/)
- [payment](https://epgwealth.com.au/tag/payment/)
- [grant](https://epgwealth.com.au/tag/grant/)
- [inflation](https://epgwealth.com.au/tag/inflation/)
- [monetary](https://epgwealth.com.au/tag/monetary/)
- [rise](https://epgwealth.com.au/tag/rise/)
- [deflation](https://epgwealth.com.au/tag/deflation/)
- [economy](https://epgwealth.com.au/tag/economy/)
- [prices](https://epgwealth.com.au/tag/prices/)
- [CPI](https://epgwealth.com.au/tag/cpi/)
- [transition](https://epgwealth.com.au/tag/transition/)
- [inheritance](https://epgwealth.com.au/tag/inheritance/)
- [will](https://epgwealth.com.au/tag/will/)
- [estate planning](https://epgwealth.com.au/tag/estate-planning/)
- [opportunity](https://epgwealth.com.au/tag/opportunity/)
- [crypto](https://epgwealth.com.au/tag/crypto/)
- [cryptocurrency](https://epgwealth.com.au/tag/cryptocurrency/)
- [bitcoin](https://epgwealth.com.au/tag/bitcoin/)
- [digital](https://epgwealth.com.au/tag/digital/)
- [currency](https://epgwealth.com.au/tag/currency/)
- [ethereum](https://epgwealth.com.au/tag/ethereum/)