Empower Blog Superannuation

The Impact of the Federal Budget on your retirement

In recent articles in this series, we have discussed the state of incomes of older Australians compared to other developed nations, and concluded that we fare very poorly in such a comparison. In this article, we take a look at the proposals contained in the May 2014 Federal Budget and how they may impact on the wealth and lifestyle of older Austra...

Read More

Whose Responsibility?

If Old age poverty rate were to still be at its current level of 35.5% by 2050, we would be facing the prospect of over 10% of Australians living in poverty at a time when they should be enjoying their desired retirement lifestyle. Would it be the responsibility of the Superannuation or the Age Pension to avoid this? Will they even work? In an e...

Read More

The Impact of Money

In recent newsletters, we have been discussing the “outputs” that we are seeking from an Investment Strategy. Most importantly, we will be looking for ongoing capital growth of our investment asset, i.e. that the value of the asset grows over time, a yield, or ongoing income stream, from the asset, e.g. dividends from a share portfolio or renta...

Read More

A Great Time to Start is NOW

As we begin the new Financial Year, most people can expect to receive some key information regarding their financial situation - employees will be receiving their PAYG Payment Summaries (Group Certificates) for the year and most people will also be receiving statements from their Superannuation Fund(s) which will give an insight into the wealth bas...

Read More

Why Property Over Salary Sacrifice

Most of you who have been following my monthly commentary and newsletters  over the years understand I have a bias towards investing in residential property, because I have been successful at building a multi-million dollar property portfolio over the past 16 years of investing, yet my compulsory superannuation has grown to only a few hundred thou...

Read More