Insights and Research

Dangers of Do It Yourself Wills

The legal profession love DIY Wills and power of attorney kits because they are the gift that just keep giving, in legal fees that is. At Shartru Wealth Management we know this to be fact, because we have had to walk with our clients through the minefield that is, poorly considered and constructed estate planning. Its expensive…
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You’re worth $5,000,000 should you protect it?

Do you protect the loss or theft of your $30,000 car? If so what is the cost of the premium to do so and how much will you get paid out? If you are a 25 year old worker who earns $75,000 a year indexed for the rest of your life then you are worth…
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The basics of Trauma Insurance

Also called Critical Illness or Recovery Money Pays a lump sum in the event of a traumatic event happening to you, for example you suffer a stroke, heart attack, major burns or are diagnosed with certain cancers through to traumatic events such as the loss of a child. This insurance came about due to advances…
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Pension changes will impact retirement adequacy

Impending changes to the aged pension asset test thresholds will have a significant impact on the number of couples able to achieve a comfortable retirement, according to new research from Willis Towers Watson (WTW). The joint research from WTW and The University of Melbourne explores how retirement income adequacy has progressed in Australia. It finds…
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How discount SMSF players are clipping the ticket

The self­ managed super fund industry is being undermined by low­ cost platform providers charging hefty commissions and enjoying cosy relationships with the banks, writes the Australian Financial Review’s James Frost. A new wave of entrepreneurs is keen to carve out a slice from Australia’s $550 billion self­managed superannuation market. John Woudstra Heavily discounted platforms…
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Shares and the Market

When you invest in shares you are buying a piece of a company and by doing so you are aligning your interests with the company’s future growth and earnings potential. In effect, you could take part in the success of companies like Telstra, Westpac and BHP and actively participate in the economy. Share investments offer two different…
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How fixed interest markets work

Bonds operate like an IOU, whereby you lend your money to the issuer for a set period of time, in return for interest paid over the term of your investment. Your investment, or capital, is then paid back to you in full at the end of the investment term. Fixed interest securities can be traded…
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ETFs: sorting fact from fiction (Part 1)

There’s no doubt exchange traded funds (ETFs) are shaking up the wealth industry across the world, including Australia, and, as such have naturally attracted their fair share of friends and detractors in the process.  As a relatively new product in Australia, it’s also understandable that many investors are still learning to sort through the many…
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Shartru Wealth Management launch Managed Discretionary Accounts (MDA)

Shartru Wealth Management – Managed Discretionary Accounts IFA Magazine’s Scott Hodder reports that Shartru Wealth Management has launched a MDA service Tuesday, 03 November 2015 Self-licensed advice firm Shartru Wealth Management is set to launch its own Managed Discretionary Accounts (MDA) service while also looking to bolster its advice network. Speaking to ifa, Shartru Wealth…
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