Jim Gleeson - Financial Planner
"I cannot direct the wind but I can help you to adjust the sails."
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"No advice" Ezicover Insurance
Ezicover insurance offers:
- A lump sum payment of up to $500,000 on death or terminal illness.
- A lump sum payment of up to $150,000 on diagnosis or occurrence of a heart attack, stroke, cancer or coronary artery by-pass surgery.
- A monthly payment of up to 75% of your average monthly pre-tax income if you are unable to work due to sickness or injury.
- A lump sum payment on accidental infection of HIV (Human Immunodeficiency Virus) or Hepatitis B or Hepatitis C while working in specified occupations.
- "Do It Yourself" insurance.
Superannuation
Superannuation is an investment structure that provides concessional tax rates to encourage saving for the provision of your income needs in retirement. Tax concessions and other government benefits currently make super one of the best ways to invest for the long term. Super funds may also offer insurance cover.
Superannuation is an excellent way to invest money for your retirement. Your retirement savings grow because money is paid in regularly, which your fund invests at low rates of tax.
When you do not invest within the superannuation framework then this is referred to as investing in non-superannuation assets.
Generally, the same type of assets can be purchased within the superannuation environment as well as the non-superannuation environment, for example, unit trusts, direct shares and listed property.
Typical characteristics of superannuation investments are that your money is not accessible prior to retirement and earnings from these investments are taxed at a maximum rate of 15%.
Superannuation monies can then be used to generate an income stream in various forms throughout retirement.
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