Resources

Consultum Financial Adviser’s series of educational brochures is designed to assist investors develop a greater understanding of their investment options. The following educational brochures provide information on investing, superannuation, insurance, debt management, Centrelink and retirement.

For further information please contact one of our experienced financial advisers.

• Centrelink payment calculations - July 2010
• Centrelink payment entitlements - July 2010
• Debt management - September 2009

• Accessing your super - July 2010
• Choosing super - September 2009
• Salary sacrificing - July 2010
• Super consolidating - March 2009
• Super contributions - July 2010
• Self managed super funds - September 2009
• Super – the basics - September 2009
• What is a re-contribution strategy? - July 2010

• Personal risks insurance management - September 2009

• Lifewise includes calculators to help you determine whether you have enough insurance.
• ING calculators can help you determine the real risk of a claim 
• Australian Securities and Investment Commission (ASIC) - includes calculators on savings, accumulating (e.g. using super), managing money and retirement planning.
• Australian Taxation Office (ATO) - A range of tax calculators.

• Capital gains tax - September 2009
• Gearing - July 2010
• Investing in shares - September 2009
• Investment platforms - September 2009
• Investment risks and returns - September 2009
• Investment risks profile - March 2009  
• Model portfolios - September 2009
• Saving and investing - September 2009
• What is an Annuity? - October 2009
• Dollar Cost Averaging - April 2010
• Multi-Manager Investing - April 2010

• Connect newsletter - Issue 15
• Superannuation funds and two consecutive years of negative returns - July 2009

• Allocated pensions - July 2009
• Estate planning - September 2009
• Transition to retirement - September 2009
• Accommodation Bonds - April 2010
• Accommodation Charge - July 2010
• Basic Daily Care Fees - April 2010
• Friendly Society Bonds - April 2010
• Income Tested Fees - April 2010
• Summary of Fees and Charges - July 2010

We have compiled a list of online financial resources that you may find useful.

• IFSA Lifewise website
• The Australian Government's Understanding Money website
• The Australian Securities and Investment Commission's (ASIC) investor site, FIDO, provides financial tips and safety checks.
• The Australian Stock Exchange (ASX) includes investor information and education.
• The Financial Planning Association's (FPA) industry web site, fpanet
• The Investment and Financial Services Association (IFSA) publishes investor fact sheets
• The Association of Financial Advisers Limited
• Financial Survival Guide

• Facing a redundancy? - July 2010