Sterling Insights

Superannuation Advice to Follow for a Comfortable Retirement

August 14, 2024 Planning for the future is one of the best ways to protect your income and ensure a comfortable retirement when the time comes. And what better way to plan for the future than to follow superannuation advice from financial experts?  With the right superannuation plan, your hard-earned funds can grow more rapidly due to the...

All About Income Protection Insurance & Why You Should Have It

July 25, 2024 These days, it seems like there’s an insurance policy for everything. Some of these insurance policies aren’t vital, but that’s not the case for income protection.  Unlike car or homeowner’s insurance, income protection isn’t as well-known. But that doesn’t mean it’s not important, especially in this economic climate. In fact, protecting your income is one...

6 Steps to Strategic Retirement Planning & Investments

June 18, 2024 Retirement planning is something that many people don’t even think about until their late 30s or 40s, but even if you’re in your 20s, it’s never too early to start saving for retirement. By starting early on retirement financial planning, you’ll be able to set yourself up for a bright future.  Knowing how to go...

8 Simple Tips for Successful Wealth Creation

May 14, 2024 The concept of wealth creation can be daunting, especially for those who currently have nothing in their bank accounts or have accumulated debt over the years. There’s good news, though! Creating wealth isn’t as difficult as it may seem. Sure, it takes some strategising and dedication, but if you follow these tips for successful wealth...

Is it worth paying Income Protection insurance?

March 30, 2024 Whether it’s worth paying for Income Protection insurance depends on your individual circumstances, risk tolerance, and financial situation. Here are some factors to consider: Income Stability: If you have steady income from employment or self-employment and would struggle to cover your expenses if you are unable to work due to illness or injury, Income Protection...

Should I own Income Protection insurance inside superannuation?

March 30, 2024 Whether you should own Income Protection insurance inside your superannuation (super) depends on various factors including your personal circumstances, financial situation, and objectives. Here are some points to consider: Cost-effectiveness: Income Protection insurance inside super can sometimes be more cost-effective compared to purchasing it outside super. This is because super funds often purchase insurance policies...

Difference Between Workcover and Income Protection

March 30, 2024 WorkCover and Income Protection are two distinct types of insurance policies that serve different purposes: 1. WorkCover (Workers’ Compensation): WorkCover, also known as workers’ compensation, is a mandatory form of insurance that provides financial assistance to employees who are injured or become ill as a result of their work. It is a statutory scheme regulated...

7 Tips for Choosing A Good Investment Portfolio Consultant

December 2, 2023 Many people struggle when it comes to making investment decisions. With so many different options and conflicting advice, it can be overwhelming to try and create a successful investment portfolio on your own. That’s where an investment portfolio consultant comes in – they can provide expert guidance and assistance to help you make informed decisions...

7 Benefits Of Working With A Financial Consultant For Retirement Planning?

November 1, 2023 Retirement planning can be a daunting task, especially if you’re not well-versed in financial matters. With so many options and considerations to take into account, it’s easy to feel overwhelmed and unsure about how best to plan for your retirement years. This is where a financial consultant can come in and provide invaluable help. A...

What You Should Know When Planning for Aged Care Needs?

October 2, 2023 When it comes to planning for aged care needs, there are a few key things that you should keep in mind. This process can often be overwhelming and emotional, but having the right information and support can make all the difference. Understanding Aged Care Options The first thing to know is that there are various...