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10 Superfoods that keep you young

Stock your fridge wisely and you could slow down your body’s clock. Karen Fittall tucks into 10 must-eat-anti-ageing foods. |READMORE|

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5 super traps pre-retirees should avoid

Is your retirement just around the corner? Then it’s time to make your super work harder by avoiding these common super traps.

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A perfect match

Pairing food with the right wine can enhance your enjoyment of both, taking your tastebuds to a higher plane. But how do you pick a wine to match your meal and generally impress your guests?
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A quick guide to aged care

The aged care system can seem daunting. But by understanding what’s available, you can make sure you or your loved ones get the care they need.

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Big contribution changes ahead for over 50s

This article has expired. The information contained within it is no longer reliable information.

If you’re aged 50 or over, some changes are on the horizon this year that could impact your retirement plans.  

Without good strategic advice, you could miss some significant opportunities or incur higher tax bills.

Here’s a rundown of what’s happening and how it could affect you. |READMORE|

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Centrelink treatment of Allocated Pensions changing

Legislation has passed which means that from 1 January 2015 the assessment of income from some account based pensions for social security purposes will change. For some people, there will be no change to their assessment. For others, the changes may impact the amount of benefits received now, or in the future. We examine the change in more detail to help you understand whether or not you may be impacted.
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Client Survey Results

We recently conducted a survey of over 180 of our clients and we are thrilled with the overall positive feedback.

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Closing the super savings gap

A new report has revealed a multi-billion dollar super savings gap that could affect the retirement lifestyle of thousands of Australian workers. Here’s how you can make sure your financial security isn’t at risk.
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Dividends cushion an eight-year rollercoaster ride

Dividends have cushioned an eight-year rollercoaster ride for share investors.

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Don’t work till you drop

With Australians now looking forward to 20 years or more in retirement, your super alone may not be enough to fund a comfortable retirement lifestyle. Here are some tips to help you build a bigger nest egg sooner — so you can retire when you want to, not just when you can afford to.

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Dried and tested

Dried fruits can be a healthy addition to your daily diet.
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Enjoy international living — in style

There are plenty of good reasons to think about moving overseas. But are you ready to live it up abroad?
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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. 

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Grow your wealth with franking credits

Australian investors can enjoy big tax savings with a unique system that prevents double taxation on dividends from shares - so make sure you're not missing out on yours.

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How critical is Critical illness insurance?

What is Critical illness insurance, who should have it and can I afford it?
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How healthy is your personal insurance strategy?

Insuring your assets like your home, contents and car can provide some kind of financial relief if your property is lost or damaged. But it’s just as important to remember that you are your biggest asset; yet this is generally the area of most under-insurance. |READMORE|

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How much cash should you hold in your portfolio?

During periods of sharemarket volatility, many investors turn to the perceived safety of cash investments.

But does holding a substantial portion of your investments in cash make for a sound investment strategy over the longer term? |READMORE|

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How to declutter your finances

It’s a brand new year, so why not make a fresh financial start?

Achieving your financial goals isn’t simply a matter of earning more. It’s also about making your money work smarter for you.

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How to grow your wealth

Retirement may still be 20 years off — but that’s why you need to make the most of your savings while you’re still working.
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In your 40s and 50s. Stay Strong at every age!

Keeping bones and muscles strong will keep you upright and help you look and feel good at any age, writes Rachel Smith. |READMORE|

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Is it in your Genes?

Can you avoid a disease that you’re genetically predisposed to? Larraine Sathicq finds out. |READMORE|

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Make your insurance more affordable

Did you know you can save money by buying your insurance in super? This is because super can offer cashflow benefits and tax concessions.  |READMORE|

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Make your retirement savings go further

You’ve worked hard all your life and are looking forward to enjoying a comfortable retirement. How can you be sure that your savings will last?
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New Vertex Website

We have recently completed a total overhaul of our website and we are pleased to advise it is up and running. Check it out at www.vertexgroup.com.au

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Not-so-healthy health habits

Are the rules you live by doing you more harm than good?
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Pay less tax now and maximise your super cap

The opportunity to make large concessionally taxed super contributions is now a thing of the past. With caps on how much we can put into super, it can be highly beneficial to really important that you contribute as much each financial year to boost your super savings (if your cashflow allows)*, without exceeding the cap.

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Pay less tax now and maximise your super cap

The opportunity to make larger tax-effective contributions from your pre-tax money just before you retire is limited.

So it’s really important you make the most of your contribution cap* each financial year to boost your super balance (if your cashflow allows).  |READMORE|

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Pay off your home loan sooner

For many people, their biggest priority is to pay off their home loan as quickly as possible. It can provide a sense of freedom to actively reduce the amount you owe the bank, and know you own a bigger portion of your home. Here’s an example of how one couple took a different approach to achieve this goal sooner. |READMORE|

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Pay yourself first

One reason property has been such an impressive wealth-creator for so many Australians is that it forces us to invest regularly, almost without thinking. But property isn't the only way to benefit from a disciplined investment plan. Here are three simple ideas to help you end this financial year ahead. |READMORE|

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Playing it safe - investment protection

Markets are up, delivering investors welcome rewards but that doesn’t mean volatility is a thing of the past. Here are some tips for making the most of a rising market while keeping your retirement savings safe.

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Property vs shares: what’s best for retirement?

It’s safe to say, we all desire a long, healthy retirement. And for Australia’s Baby Boomer population and generations to follow, this is a likely scenario.

How your superannuation nest egg, property assets and other investments play together to fund this desire is something financial planners work on with clients every day. |READMORE|

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Savvy share market investing

With markets up one day and down the next, it can be difficult to feel comfortable about investing in shares. Here are five savvy strategies to help you manage your portfolio:

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Secrets of the world's best investors

The world's best investors have developed a number of highly successful investment strategies in decades past. We take a look at some lessons from three of the world's most successful investors and see how they can be put into practice. |READMORE|

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Selling your small business?

You’ve worked hard to build your business from the ground up — you’re finally ready to reap the rewards.
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SMSFs: Watch out for cold callers, one-stop shops and early-release schemes

Unfortunately, self-managed super funds can make an attractive target for operators using questionable and sometimes clearly illegal methods to try to get a slice of our retirement money.

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Someone to take care of your financial affairs … when you can’t

A Will and testamentary trust can ensure your final wishes are carried out, but who’s around to help ensure things don’t go awry while you’re alive? |READMORE|

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Super or the mortgage?

With the changes in the concessional contribution cap this question is more important than ever. MLC’s Technical experts investigate: |READMORE|

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Teaching kids valuable financial lessons for the future

Get rich quick schemes rely on people not understanding that the road to wealth isn’t quick, it’s about consistent saving and a long-term investment strategy.
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Tennis HotShots

Your chance to win a Head tennis racquet.  |READMORE|

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The 3 stages of retirement

Australians are living longer than ever before. So it’s important to be financially ready for retirement — and the changes to your lifestyle along the way.

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The new Australian dream is paying off the mortgage

Paying off the mortgage is the new Australian dream, according to new research from MLC, the Australia Today report, with almost 80% of Australians placing outright home ownership as their most important priority.

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The pros and cons of buying property through your SMSF

Managing your own super? You might be thinking about adding property to your portfolio. Here’s what you need to consider before you do.

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The true cost of travel

Got itchy feet?  If you love to travel, you know that it doesn’t come cheap. But by planning ahead and acting smart you can save on costs - so you can pack your bags for that trip of a lifetime sooner.

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Three things empty nesters should do before retirement

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.
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Top 10 tips for Estate Planning

Here are ten tips to help you get your Estate Planning in order.
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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.

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Unplugging the children

If your kids are spending more time on screens than in the great outdoors, it’s time to take action. Here are five ideas to help them ‘switch off’ – and reconnect with the real world.

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What your body language reveals

Actions speak louder than words, so learn to pick up on and read non-verbal cues and make them work for you.
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When the road gets rocky, should we dash to cash?

With news of the financial world changing daily and TV reports and newspaper columnists predicting the worst, it’s understandable some investors are worried about the safety of their nest egg. |READMORE|

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Who’s afraid of the PoA?

A recent investigation found Australians aged over 65 experienced financial abuse more often than any other crime. So if you’re considering putting a Power of Attorney (PoA) in place, here’s how to keep yourself - and your money - safe.

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Women and super - the facts

Did you know that around 90 per cent of women end up with not enough superannuation savings to fund the lifestyle they want in retirement? In fact, the average superannuation account balance for women when they retire is around $90,000 less than the average for men.

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You Talk - How to sell property to make super contribution after retirement

Jeremy asks: My wife and I are 60 years old, employed full-time and have a jointly owned investment property we’d like to sell. We plan to retire at the end of this financial year. Should we contribute the sale proceeds into superannuation and should we do this before or after we retire?

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You Talk - What are the pros and cons of buying extra life insurance in or outside super?

Rodney asks: I’d like to take out extra life insurance. What are the pros and cons of buying it in or outside super?

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