November 2021 Newsletter

This month’s newsletter begins with a discussion around retirement and key considerations in terms of housing and homeownership.

Our animation illustrates the finer details of contributing to super via non-concessional contributions.

The Australian Prudential Regulation Authority (APRA) recently announced changes to both home loan serviceability for new borrowers and income protection insurance products — we provide coverage of these changes.

For some high-income earners, an additional 15% contributions tax (Division 293 tax) may apply on some or all of their concessional contributions — we outline the main points surrounding this tax.

We also share an insightful National Geographic video, which showcases the powerful impact that positive reinforcement can have on us when confronted with completing a task.

Lastly, Vanessa Stoykov’s latest financial education piece looks at how having children can profoundly alter our priorities, and subsequently change our approach to long-term planning.

Don’t forget to make the most of the Bellwether Knowledge Centre by joining today for an exclusive login. Browse member-only industry information and help improve your personal financial circumstances.

Kind regards,

The team at Bellwether Financial Group

Newsletter Articles

Retirement and housing (homeownership)

Housing (homeownership) is a key factor influencing retirement outcomes—not just financially speaking. In this article, we discuss retirement and several things to consider with regard to housing.

Read More

Non-concessional contributions animation

Come retirement, many factors will have impacted your super account balance, such as time along with contributions. In this animation, we illustrate the details of non-concessional contributions..

Launch Video 

APRA updates: Home loan serviceability and income protection insurance

APRA supervises institutions and promotes financial system stability. In this article, we discuss APRA’s new guidance and direction on home loan serviceability and income protection insurance.

Read More

High-income earners: Division 293 tax

When it comes to tax on concessional contributions, some high-income earners may have to pay an additional 15% tax (Division 293 tax). In this article, we provide a brief overview of Division 293 tax.

Read More

Money & life: The power of positivity

Your thoughts on money, and the support around you, can play a key role in how you manage your money. In this video, National Geographic conducts an insightful experiment on the power of positivity.

Launch Video

Vanessa Stoykov: What your kids teach you about wealth

Vanessa Stoykov is a renowned Australian money educator. In this special financial education piece, Vanessa shares how children can alter our priorities and change our approach to long-term planning.

Read More 




Corporate Documents

CPD Policy
Financial Services Guide - Martin Watson
Financial Services Guide - Stephen Davies
Privacy Policy


© Bellwether Financial Group

Bellwether Financial Group Pty Ltd
ABN 56 607 274 411 AFSL 479993






Level 20 Exchange Tower
2 The Esplanade Perth WA 6000

PO Box Z5393 St Georges Tce
Perth WA 6831


Contact us

Monday - Friday
9am - 4.30pm

08 9225 4462
or 1800 236 652

Email us at: