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The really simple guide to
4
Welcome
to The Really Simple Guide to Money Edition 2
WELCOME
BRAD FOX
ow do you
feel about
money?
Recent research
from the Association
of Financial Advisers (AFA) and the
Beddoes Institute,
Money, Well-
being and the Role of Financial
Advice,
found improving your
understanding of money issues can
increase your sense of wellbeing
by up to 42 per cent. Your sense
of wellbeing is a combination of
your relationships, your working
life, your health and the way you
feel generally. That’s an incredible
difference from getting a grip on
controlling your money.
The AFA and our financial literacy
initiative Your Best Interests is
pleased to support Australians
to improve their knowledge
and confidence about money by
participating in
The Really Simple
Guide to Money.
Helping more
people get out from under the
worry of money pressures is really
important to our members who are
highly qualified financial advisers
spread around the country.
Every day, professional adviser
members of the AFA help people
remove money worries through
financial coaching and support.
They help you find the balance
H
between all of the demands placed
on you financially, such as choosing
between spending today and saving
for tomorrow, understanding your
superannuation or deciphering the
fine print of a life insurance contract.
Your Best Interests and
The Really
Simple Guide to Money
are both
terrific resources to introduce you
to some of the common concepts
affecting you and your money.
We are proud of the AFA financial
advisers and experts who have
contributed articles to this second
edition and hope you find them both
helpful and enjoyable.
For more articles check out
yourbestinterests.com.au.
In thinking about the money
issues you want to get control over,
I encourage you to do your research
and to tread carefully. Money is
too hard to earn and too easy to
lose. So, when you are ready to get
some expert help look for an AFA
professional financial adviser by
using the Find an Adviser search
at yourbestinterests.com.au. It’s a
positive step to help you make the
best decisions for you, your family
and your future.
Brad Fox
Chief Executive Officer, Association
of Financial Advisers (AFA)
Big Splash Media
Suite 3, Level 2,
37 Bligh St
Sydney 2000
bigsplashmedia.com.au
Phone: +61 2 9231 3518
editor@reallysimplemoney.com.au
Editor
Lachlan Colquhoun
Executive Editor
Teresa Oi
Art Director
Kerry Alice
Sub-editor
Sandy McPhie
Publisher
Peter Lynch
Commercial
Director
Leisa Chell
Sales Executive
Jairo Manzoupo
Digital Director
James Brouard
Contributors
Lachlan Colquhoun, Jacqueline
Fox, Peter Lynch, Teresa Ooi, Nicole
Pederson-McKinnon, Charles Badenach,
Rod Bristow, Dianne Charman, Brad Fox
Ages of Wealth team: David Reed,
2015 AFA Adviser of the Year; Ben
Nash of Pivot Wealth; Adrian Patty of
AP Financial Solutions; Bill Bracey of
Sydney Financial Planning.
Thanks to
Brad Fox, Samantha Clarke and
Karen Tinnelly of the Association of
Financial Advisers (AFA)
IMPORTANT INFORMATION:
The Really Simple Guide to Money
is copyright of
Big Splash Media Pty Ltd. It has been prepared
to provide you with general information only. It
does not take the place of professional advice and
you should not take action on specific issues in
reliance of this information.
Big Splash Media makes no warranties
or representations of any kind concerning
the accuracy or suitability of the information
contained in this magazine for any purpose. The
material provided is for research and information
purposes only, and does not constitute advice or
recommendations.
The opinions and writings of all authors
are merely an expression of the authors’ own
thoughts, knowledge or information. Big Splash
Media does not endorse such authors nor
represent that their writings are accurate or suitable
for any purpose whatsoever.
In preparing this magazine, we could not take
into account the investment objectives, financial
or taxation situation or particular needs of any
particular person.
Before making an investment decision, you
need to consider (with or without the assistance of
an adviser) whether this information is appropriate
to your needs, objectives and circumstances.
OUR CONTRIBUTORS
a senior
business
writer for
The
Australian
newspaper
for 17 years,
including stints as property
editor. She also worked for
the
Financial Times.
She is the
editor of
The Really Simple
Guide to Self Managed Super
and
Asian Cruise Yearbook.
TERESA OOI
worked as
financial literacy
campaigner and
educator across
newspapers,
online, television,
and in high schools around
Australia. She is founder of
TheMoneyMentorWay.com
and developer of The 12-Step
Prosperity Plan, to take people
from financial worry to wellbeing.
NICOLE PEDERSEN-
MCKINNON
is a
has written
for some of
the world’s
best financial
titles, including
the
Financial
Times
and
The Australian
Financial Review
as well as
three ABC Networks. He has
edited
Insto Magazine
and
The Really Simple Guide to
Self Managed Super.
LACHLAN COLQUHOUN
REALLY SIMPLE MONEY 2016
Contents
5
COVER PIC: Justin Lloyd /
NewspixCOPYRIGHT: © NEWS LTD
CONTENTS
6
8
George Clooney’s
investment lessons
Publisher’s letter
22 The super of the future?
What sets industry super funds
apart from the rest?
MONEY
ESSENTIALS
56 Are you on the money?
Think you are financially smarter
than the average Australian? Take
our quiz to find out
Mr & Mrs Australia –
still the lucky country
Our life in numbers
24 Getting personal
Retail super funds promote personal
service and expertise
10 The only person who
would give me money
was me
Sandra Sully on getting a foot on
the property ladder and financial
independence
26 Doing it yourself
They are increasingly popular, but
self-managed super funds are not
for everyone
60 What are your goals…
and how soon can you
reach them?
Taking charge of your finances can
create enormous possibilities. Here’s
how you can create realistic goals –
and achieve them
29 The robo test
We pit a robo adviser against a
human financial adviser to see
who gives the best advice
14 How to save $10,000
right now
Trim down non-essential spending
and still have fun
16 So where should you
put your investment
dollars?
Australia’s love affair with bricks
and mortar continues
34 Mars v Venus – finance
for couples
Navigating different attitudes towards
money to secure financial harmony
62 Calling in the experts…
When you need an adviser …and
how to find one
36 How Australians save
money
See how your saving habits
compare with the averages
64 5 Questions you should
ask a financial adviser
When looking for a money mentor,
make your first meeting count
66 What will it cost?
Making sure you get value for
money and the advice you want
18 Housing v shares
Which one is better?
20 Australia is super
powered
Superannuation is
something everyone needs
to understand and engage
with for a happy retirement
38 6 Ages of wealth and
happiness
Our panel of experts tells you how
to plan for each decade of your life,
from your 20s to your 70s
68 What happens if things
go wrong
What are your rights if you have a
dispute with your adviser?
52 How Luke cooked up a
property portfolio
Luke Mangan shares his insights on
building a $100 million business
70
Making money while
having fun
They may not make you rich, but
these investments can be fun
72 Beat the tax man and
still be his friend
There are plenty of ways to reduce
your annual tax bill and secure a
fat refund
74 The A-Z of money
speak
Learn a little of the lingo to make
sure you know what’s what
80 The last word
How money
can
buy happiness
reallysimplemoney.com.au

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