Peter Schiff is the President and Chief Investment Strategist of Euro Pacific Capital. He correctly predicted the sub-prime and financial crisis in throughout 2006 and 2007. The video below shares his market outlook for 2009 and was recorded on 1 January 2009.
Click the link below to access the November 2008 edition of "BT Markets Update".
Click here to download this document.
Chis Caton is the Chief Economist for BT. Click the link below to access the December 2008 version of Caton's Corner titled "2009 will be better for investors - near a certainty".
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Many people think estate planning is only for the very wealthy or for those who have complicated business structures or tax issues. Estate planning is relevant for most people who have assets. An estate plan can also be useful throughout various stages of life.
What is estate planning?
Many people tend to ignore their super and put off thinking about thier retirement until it's just around the corner. Adding to your superannuation contributions can be an easy, tax effective way of topping up your super.
What is salary sacrifice?
Salary sacrifice is where you 'sacrifice' some of your gross salary and instead of receiving this part of your salary, your employer pays the same pre-tax amount into super for you.
Retirement can seem a long way off, however there are many reasons why planning now can put you in the driver's seat later.
Retirement may last longer than you think
Have you thought about how long your retirement could last?
The bottom line is that in order to make sure that your money doesn't run out before you do, you need to plan to be retired for at least 20 years.
This means you need to start thinking seriously about how you are going to provide for retirement and consider seeking financial advice now, rather than later.
Gearing (borrowing to invest) has been a popular wealth creation strategy. By enabling you to invest more money, gearing has the potential to improve your overall financial wealth.
Investment gearing is simply borrowing to invest. Gearing allows you to use your existing investments to borrow additional funds and expand your portfolio. By doing this, you will have more money working for you and be able to generate greater wealth for your retirement.
Gearing can also be a tax effective strategy as the interest on borrowings for investment is usually tax deductible.
There has been strong focus on getting people to save more for retirement with strong emphasis on being able to afford an active lifestyle, but many overlook the necessary requirements for aged care as we are now living longer.
Aged care is a growing issue that many people prefer not to deal with until it happens. However taking this approach can be expensive and emotionally stressful for everyone connected to and including the person requiring aged care.