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Finance Facts

As an authorised representative of Count Financial Limited, SMC Advisers* provide financial planning advice and information produced by Count Financial Limited, including the quarterly produced Count Report and the monthly Inform newsletter. Additionally the finance fact sheets aim to provide information on strategies and research that you may find useful in building your general knowledge and understanding. As circumstances vary, please contact us on 02 4984-9707 for specific advice.

The Count Report: Summer 2017 Cashing in on the sharing economy | Your top five New Year's financial resolutions | Economic outlook | Facts and figures
The Count Report: Spring 2017 Buying your dream home - at any stage of life | Making a smooth transition to retirement | Finding your flex: 7 Strategies for balancing a successful career and parenthood | Facts and Figures
The Count Report: Winter 2017 Your financial year checklist | Understanding your super and pension statements | Facts and figures
The Count Report: Autumn 2017 What is...? Investment terms explained | Seven ways to get more out of retirement | Health and wellness tips

Inform: February 2018  Teaching kids the secrets of financial success
Inform: December 2017  How to create the ultimate bucket list
Inform: November 2017  How to be financially prepared this Christmas
Inform: October 2017 Navigating the options of aged care
Inform: September 2017 Why women and men invest differently
Inform: August 2017 Understanding the Medicare Levy
Inform: July 2017 Property owners: what the 2017 Federal Budget means for you
Inform: June 2017 Make sure you're AOK for EOFY
Inform: May 2017 Making the dream purchase a reality
Inform: April 2017 Give your kids a home-buying boost

Life stages poster 
A snapshot of the wealth journey - take a look to see the key considerations at different life stages.

Finance Fact Sheets

Special Edition - Brexit
Brexit, the economy and financial markets

Federal Budget 2017-18: what you need to know 
This year's Federal Budget was announced on the 9th May 2017, and here are some of the key Budget announcements.

Transition to Retirement: what you need to know
A transition to retirement strategy can give you more flexibility and allow you to take advantage of tax concessions to help achieve the lifestyle and super balance you want.

Superannuation: what you need to know
For many people, super is one of the best ways to grow your wealth, as it provides significant tax concessions to help you save for retirement.

Smart Super Strategies: what you need to know
Superannuation can be one of the most effective ways to build your retirement nest egg. There are a range of strategies you can consider to boost your super savings.

Savings and Budgeting: getting started
By setting goals, planning ahead and being smart with your savings and debt strategies – you can actively grow your wealth even from a modest start.

Risk and Return: understanding the basics
When deciding which investments are right for you, it is important to understand the trade-off between risk and return and how to manage investment risk. A risk profile can help identify the type and mix of investments that will best help you achieve your financial and lifestyle goals.

Retirement Income: what you need to know
One of the most effective ways to provide some or all of your required level of income in retirement may be via a regular retirement income stream such as an account-based pension or an annuity. Some retirees may also be eligible for an Age Pension or other benefits from the Australian Government. It's important to understand how all these options work, to determine the solution that is right for you.

Protecting You and Your Family: what you need to know
Insurance Statistics

Insuring your car, home or other possessions makes sense. So why do so few of us insure ourselves? If illness or injury stopped you from working for an extended period, could
you keep paying your bills? Personal risk insurance gives you peace of mind that if the unexpected occurs, you and your family will be provided for.

Market Volatility: facts and figures
Many investors become concerned when volatility occurs in global financial markets – particularly about the impact on their superannuation and other investments. In times like these, it is important to understand the causes of market movements and how to minimise your risk.

Investment Fundamentals: what you need to know
If you're just starting out as an investor, there's a lot of information to absorb. This fact file defines and explores the pros and cons of each asset class, why certain asset classes are more appropriate for different types of investors and why no asset class consistently outperforms the others.

Investment Choices: understanding the basics
There are many types of investment vehicles to choose from, with managed funds one of the most popular choices in Australia. Here are some of the reasons for investing in managed funds, direct shares, bonds and exchange traded funds to help you work out which combination is right for you.

Interest Rates: understanding the basics
Interest rates are the cost of money when borrowed or loaned, and are used to control inflation and economic growth. But why do interest rates rise and fall, and how can they affect you?

Estate Planning: what you need to know
Estate planning involves much more than having an up to date Will. It is important to ensure that your assets are distributed in the most effective manner and without adverse tax consequences for your beneficiaries.

Centrelink Assessment of Account-based Pensions
From 1 January 2015 the income test rules for account based pension have changed. Find out how they will be assessed for Centrelink purposes.  

Preparing for the End of Financial Year: what you need to know
As we approach the end of the financial year, there are a number of smart strategies you could consider to help you streamline your finances and legitimately save on your tax bill.

Redundancy: what you need to know
If you have been made redundant, it is important to understand the financial issues involved, your entitlements, and how to make the most of your redundancy payment with the help of your adviser.

Gearing: what you need to know
Gearing can be an effective and tax-efficient way of building your investments over the long-term. While it can increase your investment returns, you need to be aware of the risks involved.

Family law and superannuation: what you need to know
When a marriage or de facto relationship breaks down, it can be a stressful time and the task of separating finances can often add to the pressure. Getting the right advice can help you make the tough financial decisions about your assets and superannuation.

SMSF Fact Sheets are available on our SMSF web page.

*SMC Financial Advisers Pty Ltd ABN 40 100 223 130 trading as "SMC Advisers" provides its financial planning services as an Authorised Representative of Count. 'Count' and Count Wealth Accountants® are trading names of Count Financial Limited ABN 19 001 974 625 Australian Financial Services Licence Holder Number 227232 a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Count is a Professional Partner of the Financial Planning Association of Australia Limited. Count advisers are authorised representatives of Count.