CCA Financial Planners

Oliver’s Insights: The Ukraine crisis

Finance, Financial PlanningBy Christopher Cachia 18.03.14

Key points are as follows… The situation in Ukraine could get worse before it gets better and so it remains a threat for investors to keep an eye on in the short term. Ultimately, it poses a greater threat to the Russian economy than to European and global growth. While uncertainty regarding Ukrainian tensions could…

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Why risk your financial future?

Income Protection Insurance, Life Insurance, Personal Insurance, Trauma InsuranceBy Christopher Cachia 24.02.14

PROTECTING YOUR INCOME, YOUR FAMILY AND YOUR FUTURE Our society has become used to everything being “quick and easy”. Unfortunately, that can also apply to the process of insuring your income and your financial well being. Many people that have taken insurance via on-line or telephone sales people have unfortunately found that they were not…

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Beware of Cheap Insurance with Australian Super – Not sustainable!

Income Protection Insurance, Life InsuranceBy Christopher Cachia 18.02.14

Australian Super has increased its premium rates again in 2014. The Total increase in GSC premium in last 2 years is 119%, which is more than double. Also the Death & TPD insurance premium has increased by 85% in last 2 years. From 29 March 2014 the cost of insurance cover for most Australian Super…

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Oliver’s Insights: Why investors need to be wary of crowds

FinanceBy Christopher Cachia 13.02.14

Key points are as follows… For periods of time it may pay to back the crowd in investing, eg, when a bull or bear market is developing. But at extremes the crowd is invariably wrong. Eventually everyone who wants to buy will have done so and the only way is down (or vice versa during…

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Oliver’s Insights: The Australian dollar – still more to fall

Finance, Financial PlanningBy Christopher Cachia 07.02.14

Key points: The rising tide in favour of the $A has well and truly reversed with further downside likely in the years ahead, particularly against the $US and Euro. The commodity price boom has faded in response to a moderation in Chinese growth as commodity supply increases, the US is slowing its quantitative easing program…

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TAL Accelerated Protection Premium Rates Changes

Income Protection Insurance, Trauma InsuranceBy Christopher Cachia 30.01.14

Today TAL has announced Changes in the Premium Rates and TAL Super Tax Rebate Premium rate changes effective today This update sees both premium rate decreases and increases, depending on cover type and applicant demographic, and is the first time TAL changed premium rates for new business since October 2010. Overall, Life insurance and Total…

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