December 2021 Newsletter

This month’s newsletter begins with information on key super changes. Recently introduced into parliament, these changes are relevant to wealth accumulators and retirees alike.

Our animation illustrates longevity risk, likely one of the greatest risks retirees can face.

Child care is a cost many families struggle with – we cover two incoming changes to the Child Care Subsidy.

Upon assessing an individual’s formal insurance application, an underwriter may issue revised terms – we discuss what revised terms are.

We also share a TED Talk, in which psychiatrist Robert Waldinger offers practical wisdom on how to build a fulfilling and long life.

Lastly, Vanessa Stoykov’s latest financial education piece explains the importance of setting investment goals and following through with a plan to achieve them.

We wish you a happy and safe festive season and look forward to seeing you in 2022.

Kind Regards,

The team at Bellwether Financial Group

Newsletter Articles

Update: ‘Enhancing Super Outcomes For Australians’ legislation

In the 2021-22 Budget, key proposed measures were announced in relation to super. In this article, we provide an update on several of these measures currently sitting in parliament.

Retirement planning and longevity risk

In pre-and post-retirement, it’s important to understand the risks retirees can face and have a retirement plan in place to help weather them. In this animation, we illustrate longevity risk.

The cost of raising children: Child care subsidy changes

One particular cost many families can often struggle with is the cost of child care. In this article, we cover incoming changes to the Government’s Child Care Subsidy – due to commence shortly.

Underwriting: Revised terms (eg loadings and exclusions)

When an underwriter assesses the information contained in an individual’s insurance application, the need to take risk-reduction action may be identified. In this article, we discuss revised terms.

What makes a good life? Lessons from a study on happiness

What keeps us happy and healthy as we go through life? In this TED Talk, Robert Waldinger shares lessons learnt from a study on happiness, and practical wisdom on building a fulfilling, long life.

Vanessa Stoykov: Investing is nothing without goals

Vanessa Stoykov is a renowned Australian money educator. In this special financial education piece, Vanessa shares why it’s key to set investment goals and also have a plan to achieve them.