Frequently Asked Questions

Current Superannuation legislation allow Australians to access their Super and retirement savings upon reaching your preservation age between the age of 60 – 65 years depending on when you were born. There are special circumstances and considerations which allow you to access your Super early.

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A capital note is a short-term debt investment instrument (security) which are mainly issued by a corporation to pay off short-term obligations. Investors purchase a capital note or preference share for a period. The issuer in return promises to pay periodic interest or coupon payments until the maturity of the note. The initial principle of the note is repaid to the investors also at the maturity date. The risks surrounding capital notes is that they may suspend their interest payments or be triggered into ordinary shares depending on the terms and conditions.
Let’s take a look at this example.

Capital Note A is offering the following;

  • Face Value of $100.00 per security upon creation
  • Maturity date set for 6 years
  • Coupon / interest payment of 3.50% p.a. to be paid quarterly
  • Face Value of $100.00 per security guaranteed capital back upon maturity

To find learn more on Bank Hybrids and to assess whether they are an ideal investment for you, book an appointment today.

An exchange traded fund (ETF) is a managed fund which is traded on the stock exchange. ETFs are offered in all different asset classes providing investors exposures to fixed interest, cash, bonds, equities, and private equity ranging from small cap to large cap exposures.

ETFs provide a low-cost effective way of tracking a market index. For example, the Vanguard Australian Shares ETF (VAS) tracks the S&P/ASX 300 index which contains the top 300 Australian listed companies on the ASX. ETFs therefore carry with them the benefits of traditional index funds providing investors with diversification, tax effective and a simple investment exposure to a section of the stock market.

To find learn more about ETFs, and to assess whether they are an ideal investment for you, book an appointment today.

The common life stages or major milestone moments which require financial advice include;

  • Planning for retirement
  • Retirement
  • Growing your wealth
  • Redundancy
  • Estate planning
  • Personal insurances
  • Starting a business
  • Starting a family
  • Getting married
  • Buying a house
  • Receiving inheritance
  • Divorce or separation

If any of the above apply to you and your current circumstances, book an appointment today.

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