Australian Finance Podcast

Q&A: Debt free - what next, DCA vs lump sum & what happens to super when you die

Jul 14, 2023
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ADVICE

Be Intentional With Tax Refunds

  • If you get a tax refund, use it intentionally: pay debt, invest, or spend on memorable experiences.
  • Write down what you do with refunds each year to track habits and outcomes.
INSIGHT

Investment Bonds Behave Like Tax-Paid Entities

  • Investment bonds act like tax-paid entities and can deliver attractive after-tax returns via internal tax management.
  • They suit high-income savers and those seeking estate/asset protection, but have fees and lock-up rules.
INSIGHT

Consistency Beats Perfect Timing

  • Dollar cost averaging removes emotion and automates investing through market cycles.
  • The exact cadence matters less than consistency and not stopping when markets fall.
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