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Q: What are your thoughts on using a personal loan to gear into the Share market? Would the loan be tax deductible? Are there any other ways to avoid margin calls?

Q: What are your thoughts on using a personal loan [...]

By |2020-05-29T16:35:36+10:00May 29th, 2020|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q: What are your thoughts on using a personal loan to gear into the Share market? Would the loan be tax deductible? Are there any other ways to avoid margin calls?

Q:My Income Protection premiums continue to increase at an unsustainable rate. I’m thinking of cancelling it due to the cost. What other options do I have?

Q: My Income Protection premiums continue to increase at an [...]

By |2020-04-03T18:25:14+11:00April 3rd, 2020|Blog, Media Articles, Newsletters|Comments Off on Q:My Income Protection premiums continue to increase at an unsustainable rate. I’m thinking of cancelling it due to the cost. What other options do I have?

Q: The last thing my daughter wishes to occur is being notified by her Super fund to cancel her Insurance. What options does she have to retain the insurance cover?

Q: My daughter is a health care worker and has [...]

By |2020-04-03T11:45:28+11:00April 3rd, 2020|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q: The last thing my daughter wishes to occur is being notified by her Super fund to cancel her Insurance. What options does she have to retain the insurance cover?

Q. What to expect when you have a Financial Planner conducting a Financial Planning review?

Q: I have used a Financial Planner for advice and [...]

By |2019-11-08T17:26:28+11:00November 8th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. What to expect when you have a Financial Planner conducting a Financial Planning review?

Q. The difference between Discretionary Trust and Unit Trust and how they work and its pros and cons?

Q: I have been advised to set up a Discretionary [...]

By |2019-10-28T10:34:47+11:00October 28th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. The difference between Discretionary Trust and Unit Trust and how they work and its pros and cons?

Q. Hybrid Investment vs Term Deposits: with interest rates available on term deposits now offering less than 2%, should I consider taking up the offer?

Q. I have received an offer to buy CommBank PERLS [...]

By |2019-10-15T09:47:59+11:00October 14th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Hybrid Investment vs Term Deposits: with interest rates available on term deposits now offering less than 2%, should I consider taking up the offer?

Q. With Term deposit rates falling to a ridiculous level, we have to think of alternate investment for our term deposit money.  What should we do?

Q: We are self-funded retirees and rely on returns from [...]

By |2019-10-14T14:13:29+11:00October 14th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. With Term deposit rates falling to a ridiculous level, we have to think of alternate investment for our term deposit money.  What should we do?

Q. My daughter is looking to buy a car, where would you recommend she invest her savings?

Q: My daughter is looking to buy a car when [...]

By |2019-09-26T16:14:17+10:00September 26th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. My daughter is looking to buy a car, where would you recommend she invest her savings?

Q. Can you please guide me on what financial documents I should keep and what I can cull?

Q: In the spirit of Marie Kondo, I am looking [...]

By |2019-09-26T15:53:13+10:00September 26th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Can you please guide me on what financial documents I should keep and what I can cull?

Q. Redundancy Package: Is this fair and what are my options?

Q: I have been made redundant after nine years’ service. [...]

By |2019-09-13T11:40:47+10:00September 13th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Redundancy Package: Is this fair and what are my options?