The Jacarandas are in blossom

Welcome to our End of Spring edition of the MaKe Financial Decisions newsletter.

In this edition, we focus on the upcoming RACQ AGM and what impact this will have on existing members as well as changes to Deeming of Account Based Pensions due to take effect on 1 January 2015. If you think this might impact you, please contact us so we can assess your situation.

Brian Parker provides us an economic update reviewing events in Australia and Overseas Markets.

We are also encouraging some food for thought in terms of “Dealing with worst case scenarios” and tips for “Travelling and Adventure.”

To finish off we share a simple, quick Pikelet recipe that everyone has the ingredients to in their pantry.

We hope you enjoy the variety in this collection of articles in this edition.

If you would like to talk about these issues or any other topic, please give us a call. In the meantime, we hope you enjoy reading this newsletter and visiting our new website.

Warm regards,

Mary Kelly

Financial Planner

MaKe Financial Decisions Pty Ltd

Corporate Authorised Representatives of

MLC Financial Planning

ABN 96 002 071 749

Australian Financial Services Licensee

ALERT: UPCOMING RACQ AGM - Proposed Changes to Member Base

This is a MUST READ for anyone who is an existing member with RACQ.

Steve Kelly has provided a brief summary of the upcoming RACQ Annual General Meeting that is being held at the Sofitel Hotel in Brisbane next Thursday 20 November at 2:30pm.

Steve offers his viewpoint on what effect the proposed changes will have on current members with RACQ and what you can do now to have your say as an existing member.

NOTE: If you plan to take action you must return your Proxy Vote to RACQ by Tuesday 18 November by 2:30pm.

Read full article >>

Deeming of ABPs: impact and opportunities?

Legislation has passed which means that from 1 January 2015 the assessment of income from some account based pensions for social security purposes will change. For some people, there will be no change to their assessment. For others, the changes may impact the amount of benefits received now, or in the future. We examine the change in more detail to help you understand whether or not you may be impacted. Read full article >>

November Economic Update

Brian Parker, Head of the Portfolio Specialists Group at MLC, gives an update on markets during October.

He discusses:

how global share markets regained the ground they’d lost in September
how the actions of key central banks are reflecting the differences in economic performance of the major developed countries
why Australia’s economic environment remains uncertain, despite signs of recovery in the non-mining economy, and
which positions in MLC’s multi-asset portfolios contributed to performance this month.

To find out more:

Download the 2 page November economic update.

November economic update - Watch the video

Dealing with worst case scenarios

There’s no point in worrying about the future. But that doesn’t mean you shouldn’t be prepared. Having a plan means you can relax and enjoy the present, knowing that whatever happens, you and your loved ones will be taken care of. Read full article >>

Travel and Adventure

There’s no doubt that travel is one of the most highly anticipated events. You finally have the time to follow your dreams and explore new and exciting places. Whether it means jumping in the car and hitting the road to explore new parts of Australia or international travel, it always pays to plan ahead.

Read full article >>

Pikelet Recipe

When you've run out of ideas Pikelets is it, everyone has all the ingredients in their cupboards.

Read full article >>

MaKe Financial Decisions Pty Ltd trading as MaKe Financial Decisions is a Corporate Authorised Representative of GWM Adviser Services Limited ABN 96 002 071 749, trading as MLC Financial Planning an Australian Financial Services Licensee,

Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information.

The information in this document reflects our understanding of existing legislation, proposed legislation, rulings etc as at the date of issue. In some cases the information has been provided to us by third parties. While it is believed the information is accurate and reliable, this is not guaranteed in any way.

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