In response to the recent market falls, please see commentary from our our Research Team and partners at BT Financial Group.

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We start the new year with headlines of “falling house prices”, but even if prices are set to come down and you keep a close eye on your finances, saving a deposit to buy a home can be difficult. The First Home Super Saver Scheme (FHSSS) – now passed by Parliament – means that you can use superannuation to build your home deposit, and not only if you are buying a first home.

Here is an update on FHSSS and other exemptions from which you could benefit ...

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In this edition of Investment Solutions magazine we take a look at how you can enjoy the festive season without the financial stress. BT Financial Group Investment Specialist, Riccardo Briganti, provides us with a market update on local and international markets.

Finally, we share insights on what makes a good investment strategy.

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In the previous year, the Government flagged a large number of changes it wanted to make to the tax and superannuation system, but how many of them are still hanging around after the final sitting week of Parliament last December?

In 2017, the Government flagged and publicised plenty of changes to the tax and superannuation system, but how many of them have actually been passed by Parliament and made into law? Parliament ended its final sitting week in December 2017 with plenty of outstanding matters for the Government to deal with in 2018.

Here is a brief summary of these proposals and how they could affect you ...

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An amount paid by your employer to cover expenses such as accommodation, food, or drinks while you travel for business is typically know as a travel allowance. There is also another type of allowance, called the living-away-from-home allowance (LAFHA), which compensates you for additional expenses when you are required to live away from home due to work duties. So what is the difference between the two?

The allowances are in fact very different, and have different consequences for the person receiving them. 

Ensure that you don’t get a big surprise when your tax is due. Read on  ...

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If you own a small private company, perhaps with your spouse, think twice before borrowing money from that company. If the transaction is not recorded correctly you could end up paying tax on any loan thanks to the rules known as Division 7A. You as an individual and your company are different entities so using your business to fund private expenses may attract adverse consequences if proper advice is not sought.

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Change – a constant in the business world, with technology transforming the labour and consumer markets in equal measure.

So how can disruption be a force for success? Read on ...

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With an estimated 80% of the Australian population donating to charity each year, we are clearly a nation of givers. Surprisingly, though, many people forget to include their donations as deductions at tax time.

Here are some guidelines about what consider when donating and making claims, and what you need to include as evidence to help us prepare your tax return.

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