Celebrate your successes this festive season!

It's that time of year when life gets even busier with parties, kids concerts, and shopping. But we hope that in between the craziness of the festive season, that you get to enjoy time with your family and friends and celebrate your successes for the year.

In our final newsletter for 2017 we kick-off with an overview of virtual currencies: what are they and what are the risks. We have provided a reminder to check if you are making the most of your ability to make salary sacrificed super contributions. And if you are retired, or retirement is near, then our article on taking a "dynamic" approach to spending is a must-read.

Our article on behavioural finance takes a look at why we make certain investment decisions. For some summer holiday inspiration, we have included a list of easy-to-reach Australian islands.

If you would like more information on any of the articles below, please contact this office on (08) 8363 9222 or anona@anona.com.au.

Regards,

Anona Fitzgerald

Virtual currencies

Many virtual currencies, such as Bitcoin have emerged over the last 10 years but just how safe are they? We explain how virtual currencies work and the risks you take buying, trading or investing in them.

As the year draws to a close, it's worth checking whether you are making the most of your ability to make regular salary-sacrificed super contributions.

The combination of historically-low yields, expected muted investment returns and growing life expectancies are making it particularly challenging for retirees to calculate how much to draw down from their retirement savings.

It is now understood that when we make economic, financial and investment decisions, we do so as flawed humans with an inbuilt tendency to do the wrong thing. Recognising this is the first step towards changing our behaviour for the better.

Dreaming of an island adventure? Australia’s coastline is dotted with spectacular islands that make for boundless exploration, providing the feeling of being a world away from everyday life. And as you’ll soon discover, an island escape doesn’t have to be a drawn-out exercise.

Anona Fitzgerald and Kate Phillips
Anona Financial Planning Pty Ltd ATF Anona Trust Trading as Anona Financial Planning, Authorised Representatives Consultum Financial Advisers Pty Ltd ABN 65 006 373 995, Australian Financial Service Licensee (AFSL 230323). Offices at Level 6,161 Collins Street, Melbourne VIC 3000

Any advice on this site is general nature only and has not been tailored to your personal objectives, financial situation and needs. Please seek personal advice prior to acting on this information. Any advice on this website has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice, you should consider its appropriateness to you, having regard to your objectives, financial situation or needs.

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(08) 8363 9222

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