Welcome to the latest edition of the Bongiorno E-Newsletter
While everyone’s needs are different according to their personal circumstances and financial goals, there are some questions we are asked more frequently than most.
In the October issue of our newsletter, we’ll be taking a closer look at some of these areas. We’ll be looking at how parents can help their children to buy a new home, as well as impact investing – or investing in ways which positively affect society and the environment – planning for aged-care, and how to ensure strong returns in a low-interest economy.
We hope you find it informative and thought-provoking. As always, if you’d like to know more our team is always happy to help.
Steven Wilkie
Director
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PS We are proud to announce that 2016 marks Bongiorno’s 40th year of business in NSW. To celebrate, we have a special event coming soon, so stay tuned for more details to follow later this month! |
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We will release early in the New Year a new option for signing and transferring documents. We call it a “Document Portal” and documents are signed using a ‘digital signature’ (rather than a scanned version of your own signature). The digital signature is as simple as ticking a box to say that you either accept or decline the document. It is fully encrypted using the very latest AES-256 bit encryption which is completely secure and traceable. The portal works on all computers and portable devices. So stay tuned. |
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While it is perfectly understandable that a parent would want to give their child money to assist with the purchase of a new home, it might come as a surprise to learn this is not always the wisest course of action. Bongiorno & Partners (NSW) encourages parents to consider four different options. Please note that all the below scenarios assume the child lives in the home.
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In recent years, interest in ethical investment – also known as sustainable investment or socially responsible investment – has grown significantly. In fact, the 2015 Responsible Investment Australia Benchmark Report indicates that ethical investment rose 24 per cent in 2014 to $31.6 billion.
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As a result of improved medical technologies and treatments, life expectancy at birth has increased from 75.8 years in 1984, to 82.1 today. By 2044, it is projected that the average Australian will live to approximately 90.4 years of age. The demand for quality aged-care is expected to rise in line with these statistics. As it does, so too does our need to plan for the future.
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In August this year, the Board of the Reserve Bank of Australia lowered the cash rate by 25 basis points to just 1.50 per cent. While this is great news for mortgage holders, it poses certain obstacles for investors looking for strong returns.
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Each edition we try and give you a few simple tips to make life easier.
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Another superannuation ‘shake-up’ is on the horizon. Treasurer Scott Morrison’s latest plan is to scrap the proposed $500,000 limit on after-tax contributions and replace it with an annual non-concessional $100,000 limit, down from the current $180,000. However, once super balances reach $1.6 million, non-concessional contributions will be disallowed.
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