The Astute Investor

Bi-monthly Newsletter – February 2014

Since the GFC, Australian households have dramatically changed their financial behaviour, moving to a conservative and risk-averse orientation. With low interest rates and asset prices recovering, we expect household behaviour to gradually normalise.

However with the rise in Australia’s unemployment rate, the demise of our car manufacturing sector, a decline in mining investment, and further job losses, one must consider how this may affect the economy moving forward.

If you wish to review your current asset allocation to better match your risk profile, or wish to discuss any of the below topics in more detail, please contact us today.

Kind Regards,

Lachlan Baker FIPA, FPA(aff), SA Fin, MAICD, JP, MBR of FBAA

Private Wealth Director

Changes to how excess concessional superannuation contributions are taxed

These changes include electing to release excess concessional contributions (ECC) and including ECC in accessible income.

This article reveals how a love triangle in your relationship could see your spouse's lover making a claim upon your spouse's estate.

In this video, you'll learn how to claim depreciation on older renovated type properties. Watch the video

Investing: Back to basics

What should you consider when investing in the share market? Read More »

In this edition

Changes to how excess concessional superannuation contributions are taxed

Salt in the wound – your spouse’s lover may also steal your inheritance

Depreciating older renovated properties

Investing: Back to basics

What's new?

Australia: The Risk of Lower Rates. The Scoop by Morgan Stanley Wealth Management

Contact details

Website
Franc Mark Sterling

Phone
02 8249 4454

Fax
02 8249 4912

Email
Email us

Address
3 Spring Street
Sydney NSW 2000
Australia

Franc Mark Sterling Pty Ltd is a Corporate Authorised Representative No: 238958 of Affinia Financial Advisers Ltd, Australian Financial Services Licence No: 237857 and a Corporate Credit Representative No: 404122 of BLSSA Pty Ltd, Australian Credit Licence No: 391237

The information contained in this newsletter is of a general nature and does not take into account your individual objectives, financial situation or needs. You should consider whether the content of the newsletter is appropriate with regard to your objectives, financial situation and needs, and seek advice from your financial adviser before deciding to act on the information. The content of this newsletter has been compiled from various sites and professional sources and by an external provider. It has not been prepared by Franc Mark Sterling or Affinia; accordingly Franc Mark Sterling and Affinia disclaim all responsibility for any loss suffered directly or indirectly by reliance on the information contained in the newsletter.