Joseph Grech Financial Services in Albanvale, Victoria | Insurance Agent

Joseph Grech Financial Services

Locality: Albanvale, Victoria

Phone: +61 3 9364 2288

Address: 340 Main Rd Shop 1 3021 Albanvale, VIC, Australia

Website: http://www.josephgrechfinancialservices.com.au

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• Financial planner
• Insurance broker
• Insurance Agent

24.01.2022 Whats your vision for the future?...

24.01.2022 Its time for you to update your will. http://goo.gl/0TMnwr

23.01.2022 This might end up being a problem for me...

22.01.2022 5 things investors need to know about hybrid securities 1. Not all hybrids are created equal: Some hybrids will behave more like shares, and others more like bonds. Even though banks and other financials dominate issuance, investors should consider that each type of hybrid security has a unique risk and reward characteristic. 2. Hybrids can be highly volatile: Like shares, the market price of listed hybrid securities may fall below the price that the investor originally paid,... especially if the company suspends or defers interest payments, or if its performance or prospects decline. 3. Hybrids are generally less liquid than shares: This means that there are fewer buyers and sellers in the market for this type of investment and investors that need to sell quickly, may have to accept a lower price. 4. Hybrids are often unsecured: Repayment of the initial capital or principal is not guaranteed. In a wind-up scenario, hybrid investors are among the last to recover their funds. 5. Hybrids can be complicated: It is critical that investors fully understand all the terms and conditions as these will have a significant impact on whether the hybrid meets expectations. Final thoughts Investors that value a steady return and capital stability may find hybrids unsuitable. Overall, we do not believe hybrids should be relied upon by investors as the sole source for a consistent and foreseeable income stream. http://ow.ly/AFUQN

22.01.2022 To paraphrase Mark Twain, reports of the death of the mining boom have been greatly exaggerated. The mining investment boom may be over, but Australias mining exports are on a roll, boosting economic growth and underpinning the strong Aussie dollar. Aus...

22.01.2022 New Centrelink rules are coming in to effect in January 2015. If you are currently receiving a payment and have retired or plan to retire soon you will most likely see a reduction in you payment in 2015. Click to read more http://goo.gl/Et7jyB. Or contact us to find out how we can Grandfather you in to Centrelinks existing rules.

21.01.2022 Lets talk about money - how to reduce conflict in your relationships http://goo.gl/xUhJZ8

19.01.2022 Retirement planning...

19.01.2022 Have your circumstances changed?...

19.01.2022 Users to pay for aged care The decision around whether to get some home help or move to where you or a loved one can get support and care is never an easy one. But since 1 July changes to the aged care system should have given individuals and families a clearer understanding of the choices they have and the cost of getting home help or moving to residential care.... The provision of aged care services remains subsidised by the Government, but the focus of the changes is... Read more http://j.mp/agedcare_jg

18.01.2022 Let's talk about money - how to reduce conflict in your relationships http://goo.gl/xUhJZ8

16.01.2022 Let's debunk some of the common myths surrounding global listed infrastructure. An asset class which is becoming an increasingly important component of a well-diversified portfolio. http://goo.gl/RUCFPQ

16.01.2022 Your future......

16.01.2022 A lot of people struggle to find the right financial adviser. Heres a great site site by ASIC that can help you ask the right questions. http://goo.gl/9nnCTd

14.01.2022 Beyond children: safeguarding the future With your house paid off, the children grown up and your retirement savings on target, you could be lulled into a false sense of security that you no longer need personal insurance. If you or your partner were to die, then little may change in your financial situation. But what would happen if one of your adult children had an accident and needed care for the rest of their lives? ... If your adult child is not insured, then you might find that all you have worked for over the years is whittled away by the many costs associated with assisting in their care. After all, whatever their age, they are still your children and you will always want the best for them, be it the best care, the best medical treatment and/or a refit of their home to accommodate any new needs. But at the same time, you are entitled to enjoy your retirement rather than have a substantial amount of your retirement savings redirected into helping your child. Taking out insurance in your childs name could be a solution as it would enable them to enjoy a reasonable standard of living should they become permanently disabled as a result of an accident or illness. You could either make the payments on their behalf by owning the policy, with a view to transferring the policy to them at a later date, or simply encourage them to have their own cover. Your children may also not be aware that they can hold cover within super, which wont affect their day-to-day cash flow. Of course, many super policies automatically carry Term Life and Total and Permanent Disability (TPD) insurance, but this cover may not be enough. Rice Warner Actuaries estimate that life insurance cover within super is on average only 20 per cent of what is needed.

14.01.2022 Thinking about setting up an SMSF? Before deciding if an SMSF is right for you, consider some of these important questions. http://www.josephgrechfinancialservices.com.au/too-young-f/

13.01.2022 It's time for you to update your will. http://goo.gl/0TMnwr

13.01.2022 Unclaimed money?.?.?

11.01.2022 On the hunt for world class investments... goo.gl/6XuTnx

11.01.2022 Some differences between Direct Investments & Managed Funds. Whats right for you?? http://goo.gl/yFx0MH

09.01.2022 Who would have thought that changing one three letter word for another could make a difference to insurance cover within superannuation? But, changing the definition of the types of insurance allowed to be held through superannuation has had just such an outcome. <...

08.01.2022 Lets debunk some of the common myths surrounding global listed infrastructure. An asset class which is becoming an increasingly important component of a well-diversified portfolio. http://goo.gl/RUCFPQ

07.01.2022 Venus and Mars do men and women handle their finances differently? ow.ly/zWZno

07.01.2022 Thanks to everyone that turned out for our Centrelink Seminar! Hope you all learnt something new:)

06.01.2022 Are we becoming a cashless society? Australians are edging towards a cashless society, as consumers use debit cards or other electronic payment methods in preference to cash at the checkout and online. But whether we will entirely shun notes and coins in the future is not certain. For one thing, cash has its benefits. Its easier for small transactions such as buying a coffee or tipping a waiter. However, the rise of contactless, credit and debit cards is outstripping ATM wit...hdrawals, suggesting that cash is on its way out. And when we do get money, it is often debited straight into our accounts. According to research by the Australian Centre for Financial Studies, the combined value of debit card purchases (including cash-outs) was $16 billion in June 2013, overshadowing the value of ATM withdrawals at $11.4 billion. Read more... http://www.josephgrechfinancialservices.com.au/cashless-so/

05.01.2022 Aged care reforms...

03.01.2022 House price growth predicted to slow down next year. http://www.josephgrechfinancialservices.com.au/house-price/

03.01.2022 To sell or not to sell? For many Australians, the family home is their largest asset. And if youre planning to wind down from work, you may be considering what youll do with yours. Like many people, you may have worked for a lifetime to build the value you hold in your family home. While selling your home may not be your first choice, if your super balance is... http://goo.gl/0QClNR

02.01.2022 On 1 January 2015, Centrelink income test rules are changing to be less favourable for account- based pensions. However, clients who receive a Centrelink benefit and have an allocated or account-based pension in place before then will maintain their current favourable income test...

01.01.2022 Some tips to help you get your budget started: http://ow.ly/Ab6d7

01.01.2022 Planning for aged care http://www.josephgrechfinancialservices.com.au/plans-for-a/