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Dividends

  Concerns that the share prices of the big dividend payers had become overheated have been reduced by the better-than-expected results in the February reporting season. Some analysts had said the shares of some of the Australian share market's biggest yielders were "priced for perfection". They said the companies would need strong profit increases to justify share prices pushed higher by investors chasing yield over the past two years. Share researcher Lincoln Indicators is forecasting a gross dividend yield for the 2013-14 year ... Read more

Industry Super Costs Increase

 The fees are lower, therefore the returns higher. The latest figures from the Australian Prudential Regulation Authority (APRA) show industry funds performed about 30 per cent better than retail over 10 years. It's not that they are superior money managers, they just charge lower fees. Industry funds place billions of dollars to invest with the retail funds anyway. Rather than just plonking this wholesale money in index or ''passive'' funds, a lot of it is awarded to active managers. The irony is the ... Read more

Super Cap lifted

The salary sacrificing or “concessional” cap for superannuation is to be increased to $30,000 for the 2014-15 year, from $25,000 now. The cap is the limit on how much can be salary sacrificed into super in a financial year and includes the compulsory super paid by employers. Salary sacrificing is a powerful way to save for retirement for most people as the contributions tax on super is 15 per cent compared with your marginal income tax rate. And it is taxed at a ... Read more

Divorce

A time of change Whether it comes as a sudden shock or more gradually, divorce and separation brings emotional upheaval to people, and challenging issues with finances and property.  With an expected one in three marriages ending in divorce it is a challenge many people face. And the need to start again applies equally to people in de facto and long-term relationships. Where there are children, considerations such as meeting their future education needs, health care and other expenses, as well as the cost ... Read more

How to beat the chemistry of online overspending

How to beat the chemistry of online overspending Dopamine is a chemical neurotransmitter that helps control the brain’s reward and pleasure centres. In other words, you feel a rush of dopamine in response to pleasurable activities like say food or shopping. But the flipside of this chemistry can prove a real financial problem. Say you’ve come home from work after a long and unrewarding day, feeling sluggish and depressed. In this dopamine-deprived state, many people reach for their credit card for some ... Read more

Redundancy

As the mining boom slows and many Australian businesses struggle to remain competitive in a global market, cost cutting and retrenchments have become a normal part of being in the workforce. Being made redundant is never an easy, but if it’s handled well it can be financially and personally rewarding. Australia’s unemployment rate edged up to 5.8 per cent in August and is forecast to reach 6.2 per cent in 2014. In a tough economic environment, even well established businesses are cutting ... Read more

Waterford Financial Launches New Mobile Ready Website

New Responsive Website Launched We are proud to announce the launch of our new responsive mobile website. The new site includes a responsive design so our customers on the go can view and download information from their mobile devices. The site also includes a new blog which we will be using to post financial service updates, news and special offers that might be of interest to our customers. We would also like to take the opportunity to thank all our customers over the past ... Read more
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