Welcome to our first quarterly newsletter for 2023.

Capital gains tax can be tricky and knowing when it should be applied or how it is calculated is even more confusing. This article may provide a little more clarity.

Salary sacrificing part of your salary into your super early on could benefit you when you retire. We explain how salary sacrificing works and what the long-term benefits are.

Building an investment portfolio takes time as well as knowledge. Here, we delve into the risk and return for various asset classes.

Retirement may be a long way off, or just around the corner. Knowing how much you need in retirement comes down to the type of lifestyle you want. We’ve provided a few things to consider to ensure you can enjoy the retirement you deserve.

As we tick over to a new year, most of us have probably made some sort of New Year’s resolution. Having smaller monthly goals might make it easier to keep those promises we make to ourselves and achieve our goals.

We love to hear from you, so please feel free to contact us with any questions about our articles in this newsletter on 02 8014 2040 or email info@life-plan.com.au

Kind regards,

Life Plan Financial Advisors

Understanding capital gains tax

Don’t be put off – here’s a quick guide to help you understand capital gains tax. Read full article >>

Risks to consider when building a portfolio

An understanding of the risk and return characteristics of various asset classes is vital to the portfolio construction process. Read full article >>

Stepping stones to reach your goals

Replacing one big resolution with smaller monthly goals might be key to keeping those promises we make to ourselves and achieving our goals. Read full article >>

Life Plan Financial Advisors Pty Ltd ABN 62 084 598 587 are Authorised Representatives of Godfrey Pembroke Limited ABN 23 002 336 254 an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.

Suite 1103, 1 Newland St, Bondi Junction NSW 2022
02 8014 2040

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