Ms Johnson warns a one-size-fits-all approach can be "inappropriate and frankly dangerous" and people should be aware of their own circumstances before adopting any general approach. "Everyone knows they should save and they probably feel guilty if they don't, but it's almost like Pape tells you how to go actually about doing it like what to look for in a savings account, and what type of savings you might want to have for yourself. But before he could burble out an answer I said: “I mean it’s just a stinker of a fund.”. Each year the finance industry gives out thousands of awards to itself, but this is one award you do NOT want to win. "[But in Pape's book], it lays it all out in steps, so it's step one and then step two and then once you've got that all sorted, then you tackle this.". Putting your income into separate "buckets".

IMPORTANT INFORMATION This information is general in nature and does not take into account your personal financial situation.

We’re like the flat-earthers of the finance world, openly questioning the ‘lower fees equal higher returns’ argument.

But I received my annual superannuation statement and found I am being charged three separate fees: administration fees (0.37%), investment fees (0.25%) and something called ‘indirect costs’ (0.64%). I would really like to have super that does not get reduced to nothing again. It’s a terrible car.

To join them — and see why many people say it’s the only email they always read — put your email in the box below (it’s free). He’s a prime candidate for a heart attack!”, he said (while the guy seemed to be having heart palpitations). I need your help. Faced with this overwhelming evidence, investors the world over have embraced index funds.

My take? Dividends are reinvested in Aussie dollars. Well, I wouldn’t do it. All you need to do is Google “Woolworths discount cards” and you can get 5% off your shopping. It’s kind of like walking into your local pub and choosing between the 35 craft beers they have on tap. Before you go, why not grab your FREE copy of my weekly Monday newsletter? Every year, for the last seven years! "There are lots of great ways to manage money, but more importantly, to make your life goals happen.". IMPORTANT INFORMATION This information is general in nature and does not take into account your personal financial situation. The biggest story of the century is unfolding but it's not safe to cover it, Anglican Church of Tasmania finalises $3.65 million of compensation to survivors of sexual abuse, Melbourne Cup field set as Ashrun gets final spot with Hotham Stakes win, Here's this year's Melbourne Cup field and form guide, Sydney Thunder thump Strikers as rain once again hits WBBL. After all, it could be worth $12 628 extra to an average earning couple, compared to saving in the bank. Do I still use the ING Orange Everyday account?

To join them — and see why many people say it’s the only email they always read — put your email in the box below (it’s free). More importantly, if his ‘mate’ can stop him from freaking out and jumping off the stock market rollercoaster as we do the occasional loop-the-loop, then he will have more than earnt his money. EmmaI am 18 years old and have just landed two casual jobs, so I need to set up a super account (after finding out that all of my past super from a part-time summer job in 2016 was reduced to $0.14 and then taken by the ATO!). Since you’re in the Indexed Balanced Fund (like me! Hey Scott,

Following your recent post about expensive super funds, I had an appointment with a financial advisor at First State Super, where my fund is held. Anyway, of the thousands of super funds on offer, only a surprising few offer low-cost index funds, like Hostplus does. There’s a lot of uncertainty right now, but you don’t need to worry about unlisted investments. The only reason the conversation will be awkward is if he’s not! As in a donut. "But not everyone is going through that so therefore you do need particular resources for what you're going through (for example if there has been a death of a partner, there's a different guide and so forth).".

I am 31 years old, earning $60,000, and my husband wants me to pull $20,000 out of super (which I can do because of the coronavirus situation) and put it on our mortgage to reduce our interest payments.

I also meet a lot of older, divorced women who don’t have a home or enough super. "No-one was more surprised than me by the success the book has had," he told the ABC.

Any money you save from their slick shopping campaign, you’ll give back in higher fees and lower returns (and then some). It doesn't have to be from me. Now I am a Millennial who turned 30 this year. "They need to check with their super fund about their specific circumstances, [which] can be particularly important when you're consolidating your super and thereby also cancelling any default insurances in funds they are closing.
After six years of trying everything to stay afloat, including selling all my personal assets, my company ceased trading at the end of last month.Now I am trying to work out what the hell to do from here. I actually agree with your old man, for a couple of reasons: At $330 a quarter ($1,320 a year), it represents around 0.18% per annum cost to his portfolio.

Ms Johnson says one of the most important things the book emphasises is to talk about money, with things like taking your partner out to a restaurant or going out for a beer to discuss finances.

Of course, before you switch to this (or any other) fund, I’d suggest you speak to a professional and get personal advice.
He plans on doing the same with the next $10,000 he can apply for. The index fund pioneer is no pouty Instagram influencer: it has a history of aggressively, and relentlessly, lowering its fees. However, with the findings of the banking royal commission and recent stock market volatilities affecting AMP, we think we should maybe go back to the industry fund.

After all, the EOFY is the one time of the year it’s socially acceptable for bean-counters to get on the grog.

Fair enough. (No surprise there: Warren Buffett has sagely warned, “Remember, your fees are their income”.).

However, I called up my super fund (HESTA) and they don’t seem to know much about it, and they actually said it won’t come in till next year. Girl Power!

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