Search Articles from our Finance Blog By Month
At Sapience Financial, much of our advice involves helping people learn new skills and insights.
- We have a range of individually hand-crafted Financial Blog Articles relevant to our client's needs and lives.
- We also have separate more in-depth Key Articles to help you understand some of the practical details of our specialty products and services in greater depth, specific to the needs of many of our small business clients, friends, and supporters.
Use the blue site Search Button at the top right corner of our site. And if you really want to drill down through our data for something very specific, you can also search by Article Tag here. Alternatively, if you're looking for something in particular, just get in contact here.
Below you can search our archive of Blog Articles by title or date published.
The Cinderella like tale of Munro-v-Munro and how a simple preventable mistake, broke the hearts of his two daughters
To really understand this real-life story, to need to understand two simple legal facts about self-managed super funds:
- The trustee of an SMSF has discretion who to give the balance of your SMSF account to when you pass away.
- To remove this discretion and ‘bind the decision of the trustee to follow your instructions’, you need to sign a legally recognised Binding Nomination Form, making your wishes clear and override the discretion of the trustee.
Sounds simple enough, right?
Who's your super beneficiary?
With superannuation now becoming a compulsory part of life, many people soon find they have significant amounts in their super growing at 9.5% per year - the minimum compulsory amount all employers are required to withhold from your income and deposit into your super account, for your retirement.
In reality, if you passed away today, the value of your super account could be significantly higher because of a ‘hidden’ life insurance component.
Are you still living up to your parent's expectations of your own money?
Below are four questions we ask our clients to help them consider could their adult relationship with money today, be unconsciously influenced by their parent's money attitudes from childhood.
We all like to think we have more control over our decisions in life than perhaps we really do -
- and this is particularly common when it comes to our personal money matters.
It's nothing new — our beliefs usually dictate how we react to life events — but what if you've forgotten your default money belief and are living and deciding on autopilot?
- The advertising industry would call that a win for advertising.
