How do I recontribute to my Super?
Have you always wondered how you could pay less tax in your super? With help from Endorphin Wealth, you can now recontribute super to minimise the payable tax on either a super income stream or when your inheritors receive your super benefits. By withdrawing and then recontributing your super, it will be classified as a […]
Guest Blog – What are your limiting beliefs around money and investing? Dr Ian Kaminskyj
Dr Ian Kaminskyj is a practitioner and trainer of Neuro-Linguistic Programming (NLP), which advocates the pursuit of excellence in all endeavours. It is the study of how to integrally & linguistically affect a person’s neurology in order to achieve a desired outcome. With a PhD in philosophy, Dr Kaminskyj also practices hypnosis and hypnotherapy to […]
Sustainable Investments – The Future of Investing
Sustainable investing has gained a lot of popularity in recent years. People want to see their values and morals reflected in their investment portfolios. Typically, these values can be expressed under the headings of Environmental, Social and Governance (ESG). Also, there is growing evidence that ESG investing outperforms the market in the long term (RIAA Report). The most recent Responsible Investment Association Australasia report states that […]
Property Rentvesting – By Phillip Richards
If not even COVID19 could slow down the juggernaut that is the Melbourne property market, then what can? I speak to a lot of people who are looking for advice on how to break into the property market. In fact, as a goals-based financial advisor, I spend a lot of time talking to people about […]
5 Considerations in Choosing a Financial Advisor
1. Decide what you want/need from a financial advisor. What you want and/or need from a financial advisor will depend on what stage in life you’re at, the amount of money you have (or don’t have!) and what it is that you wish to achieve. The role of a financial advisor is to help you […]
Estate Planning for You, Your Family and Your Business
Estate Planning It’s frightening to know that over 50% of the Australian adult population do not have estate planning in place. The most common reasons given by those who don’t are along the lines of “I just haven’t got around to it”. Often, it’s their view that they don’t have enough assets to warrant a […]
Endorphin Inspire – Financial Advisors
There’s no denying it. The financial and time costs of running a financial advisory business as a solo operator for financial advisors are reaching unsustainable levels. The added scrutiny and educational requirements that directly result from the Financial Royal Commission are not necessarily a bad thing. After all, as financial advisors, we play a vital […]
Is My Super Under-performing?
Everyone worries whether their super is under-performing. Our clients often raise questions around over-payment in fees or under-performing super investments. According to findings released by the Australian Prudential Regulation Authority (APRA), more than a million Australians have invested $56.2 billion combined in “under-performing” superannuation funds. “Pass” or “Fail” grades has been given to a […]
How to Effectively Self-Manage Your Super Fund
Whether you are planning to establish an SMSF (Self-Managed Super Fund) or already have one, there are some “Golden Rules” to follow for its effective self-management. RULE #1 Unless you are a fully qualified SMSF Specialist Adviser yourself, you would be well-advised to seek the ongoing assistance of one. NOTE: You are personally liable for […]
5 Considerations to Make Before Retirement
The key to a successful retirement is having a solid plan. The decisions that you make now could affect your financial future, so we’ve put together this brief list of 5 considerations that you need to make before you transition to the next phase of your life in order to be able to retire on […]
