Resources

Consultum Financial Adviser’s series of educational brochures is designed to assist investors develop a greater understanding of their investment options. The following educational brochures provide information on investing, superannuation, insurance, debt management, Centrelink and retirement.

For further information please contact one of our experienced financial advisers.

• Centrelink and DVA Aged Pensions - September 2011 
• Centrelink Payments & Pension Bonus Scheme - January 2012
• Debt management - July 2010

• Superannuation - June 2011 
• Choosing super - October 2011
• Salary packaging into super - October 2011 
• Super consolidating - November 2011
• Self managed super funds - July 2010  
• What is a re-contribution strategy? - November 2011

• Personal risks insurance management - July 2010
• Income protection - September 2010
• Life insurance - September 2010
• TPD insurance - September 2010
• Trauma insurance - September 2010 
• Business insurance - September 2010

• Lifewise includes calculators to help you determine whether you have enough insurance.
• ING calculators can help you determine the real risk of a claim 
• Australian Securities and Investment Commission (ASIC) - includes calculators on savings, accumulating (e.g. using super), managing money and retirement planning.
• Australian Taxation Office (ATO) - A range of tax calculators.

• Capital gains tax - November 2011
• Gearing - October 2011
• Investing in shares - October 2011
• Investment platforms - July 2010
• Investment risk and return - October 2011
• Investment risk profiles - October 2011  
• Model portfolios - August 2010
• Savings and investing - October 2011
• What is an annuity? - October 2009
• Dollar cost averaging - April 2010
• Multi-manager investing - April 2010

• Connect newsletter - Autumn 2012 
• Superannuation funds and two consecutive years of negative returns - July 2009

• Estate planning - July 2010
• Transition to retirement - November 2011   
• Bonds - January 2012  
• Aged Care Accommodation - January 2012

We have compiled a list of online financial resources that you may find useful.

• IFSA Lifewise website
• The Australian Government's Understanding Money website
• The Australian Securities and Investment Commission's (ASIC) investor site, FIDO, provides financial tips and safety checks.
• The Australian Stock Exchange (ASX) includes investor information and education.
• The Financial Planning Association's (FPA) industry web site, fpanet
• The Investment and Financial Services Association (IFSA) publishes investor fact sheets
• The Association of Financial Advisers Limited
• Financial Survival Guide

• Facing a Redundancy? - July 2011