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    Stay Informed with RP Wealth Management

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July 1 Super changes- What you need to know

 

If you haven’t been keeping track of your superannuation accounts and not contributing to benefits, you may lose some valuable benefits from July 1 if your fund has not seen a contribution for at least 16 consecutive months.

There are a number of new superannuation rules starting in a few weeks. Some rules will impact people taking time out of the workforce and also those that are closer to retirement.

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Enjoy a credit card holiday

To help reduce credit card balances, many people turn to balance transfer credit cards.

While these cards can help you reduce your debt, they do tend to catch people out from time to time by fineprint terms and conditions.

In this article, we’ll flag some common pitfalls and discuss the right way to use these cards so you can take a holiday from debt and be one step closer to financial freedom. 

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What is the difference between health and life insurance?

Both health and life insurance can seem complicated. We look at the differences  in benefits and the value of having the protection of both. 

What is health insurance?

Health Insurance is a personal insurance that helps cover the costs of medical and surgical care. The right health insurance product can protect you against a range of medical costs and surgical expenses. This might include emergency requirements – like stays in private hospitals, ambulance services and time spent in intensive care – or more everyday health expenses, like optical, dental or chiropractor appointments.

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What tightened lending means for property buyers

Sure, tightened lending means home loans are becoming harder for some to get, but it’s not all bad news for Property Buyers.

That’s because there’s also reduced competition from investors, housing prices are falling, and clearance rates are too, making it much more of a buyer’s market than in years gone by.

So let’s take a look at a few simple steps you can take to improve your chances of obtaining finance in the tighter lending environment. Armed with these tips you could be better equipped to take advantage of the weakened housing market.

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ETF’s vs Managed Funds vs Shares

ETF’s? Managed Funds? Direct Shares? Hybrid Funds? Corporate bonds? What does it all mean? There are a number of investments available to everyday Australians, however trying to figure out what is right for you and your investment goals becomes a challenge if you don’t know all your options. In this article we focus on alternative investments to your traditional options such as cash and Property.

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What the Federal budget means for you

With a federal election approaching us shortly, the 2019/2020 Federal Budget aims to deliver tax cuts to low and middle income workers and small businesses, superannuation tweaks for older Australians, and energy assistance payments.

Keep in mind that a number of the below policies depend on the Coalition government winning re-election in May – although Labor has announced bipartisan support for some of the listed me policy recommendations.

But here’s what this year’s Federal Budget essentially means for you and your family.

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  • Ronald has always gone above and beyond for getting the best for my husband and I. He is always very punctual and helpful in giving advice. Ronald makes us feel comfortable and that no question is a silly one. I would 100% recommend him to anyone.

    Matthew (32) & Yasna Dench (31)
    Regional Sales Manager | Special Education Teacher

  • I have been working with Ronald for over 6 years. During this time, Ronald has been outstanding in his efforts to improve the bottom line of my portfolio. His continued guidance and enthusiasm makes him the perfect adviser and manager of personal finances.

    Sharad Bhasin (54)
    Deputy Harbour Master

  • I found Ronald to be very knowledgeable about all aspect of finance and being very helpful in overseeing my finances and making sure that I will live comfortably for quite a few years to come. his friendly nature comes from deep down and his clients are treated like family. I will not be afraid of recommending Ronald to all my relatives and friends.

    Carmelo Venturini (69)
    Retired

  • Ronald is a very friendly, knowledgeable and competent person, this is shown in every conversation we have had and it is a peace of mind knowing he is in control of my financials. Thank you

    Greg B (35)
    Warehouse Supervisor

  • Ronald at RP Wealth Management offers an invaluable service to my Estate planning clients by providing professional advice about protecting their family and their wealth with different insurance products in the event of a tragedy. Ronald is incredibly knowledgeable and always provides exceptional customer service to his clients.

    Kaisha Gambell (29)
    Solicitor

  • I have had the pleasure of dealing with Ron and have found him to be both knowledgeable and sincere. He is someone that believes that if you do the right thing by people they will do the right thing by you. I would not hesitate to recommend Ron to people that are looking for someone to provide them with an ethical outcome

    Mario Z (32)
    Accountant

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