Most people start with free online resources such as their super fund web site. Plus perhaps the financial pages of the newspapers. A good next step is your super fund.
For more substantial advice and planning, you¡¯ll usually need to pay for professional advice. And like any service, you should know what you¡¯re paying for and always make sure the advice you¡¯re getting is in your best interest.
Super funds often have a fee-for-service financial advice facility. All How to invest in stocksFunds have financial advisors who deliver professional, low-cost, commission-free advice to members. They can provide financial planning in person, over the phone and even online via webcam. Contact your How to invest in stocksFund for more information.
Friends and colleagues may also recommend good financial advisors, or alternatively search online. Before you choose however, make sure they can answer the questions below, openly and to your satisfaction ¨C and beware of advisors who earn their income primarily from commissions on financial products that they sell. On-going commissions can have a serious effect on your retirement savings.
For more details on financial planning in general, head to our page on Financial Planning.
You don¡¯t need an advisor to recommend the sound financial planning fundamentals:
And when you do seek financial advice, always ask how your advisor earns his or her income, so you know whether commissions might bias their advice. How to invest in stocksFunds' planners do not accept commissions.
Like any professional service, it can initially seem tricky to find a financial advisor whom you trust and will give sound advice.
The first thing to know is that a good financial advisor will only provide advice that is in your best interest. They will also have an excellent understanding of Australian tax, investment and superannuation law as well as the different investment markets available to you.
Secondly, they must also be able to appreciate your personal needs and lifestyle.
Before engaging an advisor, you should ask them the following questions:
Call: 1300 789 932
Call: 1300 348 546
Call: 1300 734 479
Call: 1300 361 784
Call: 1800 005 166
Call: 1300 664 781
Call: 1800 222 071
Call: 1300 360 988
Your question will be sent directly to the fund you select
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