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Learn more about
Personal Insurance Claims
Salary Sacrifice to Super
Debt Repayment strategies
First Homeowners Grant
How to access total contributions made to super
By developing a comprehensive estate plan, you can ensure that the right money goes to the right people, at the right time, in the right way
Personal Insurance can help protect you and your loved ones financially if something unexpected happens
Division 293 tax is an additional tax on super contributions, which reduces the tax concession for individuals whose combined income and contributions are greater than the Division 293 threshold
If you're invited to join an employee share scheme (ESS), you may be able to buy shares at a discount on the current market rate. Schemes vary, so check the offer terms and consider the pros and cons before you sign up.
Buying your first home is one of the biggest investments you can make
The First Homeowner Grant (FHOG) scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It is a national scheme funded by the states and territories and administered under their own legislation.
Under the scheme, a one-off grant is payable to first homeowners that satisfy all the eligibility criteria.
Houses and Units seem easier to understand than many other types of investments
It’s important to understand how investing in property works, to decide if it’s right for you
Borrowing to invest is also known as 'gearing'.
Before you borrow to invest, check if you will be positively or negatively geared, and how this will impact your cash flow and tax
Superannuation, or ‘super’, is money put aside by your employer over your working life for you to live on when you retire from work
Super is important for you, because the more you save, the more money you will have for retirement
You can only withdraw your super money in certain circumstances - for example, when you retire or turn 65 years old
Self-managed super funds (SMSFs) are a way of saving for your retirement.
The difference between an SMSF and other types of funds is that the members of an SMSF are usually also the trustees.
This means the members of the SMSF run it for their benefit and are responsible for complying with the super and tax laws.
Making extra contributions to super, is a great way to boost your retirement savings.
A Mortgage Offset Account is a savings or transaction account linked to your mortgage. Your Offset account balance reduces the amount you owe on your mortgage. This reduces the amount of interest you pay and helps you pay off your mortgage faster
Owing money or falling behind on repayments can be stressful. The good news is there are steps you can take to get out of debt — and stay out of debt
At Think Capital we focus on Strategy first
Think Capital Pty Ltd ACN 636 116 295 Authorisation Representative (AR) number 001278398 is appointed to act as a Corporate Authorised Representative of Australian Financial Services License (AFSL) number 344971.
Norma Falconer Authorisation Representative (AR) number 001243315 is appointed to act as an AR of Australian Financial Directions Pty Ltd ACN 135 004 947, Australian Financial Services License (AFSL) number 344971.
Use this quick 60-second Financial Health Checklist to see if you need a more thorough examination of your Financial Planning, Superannuation, Insurance or Investment needs.
Use this 60-second Financial Health Check to see if you need a more thorough examination of your financial affairs ready for tax time!