Glen James - Sort Your Money Out

3 Chapter 6Figure 5.1: Vanguard price chartFigure 6.2: example chart of CBA, IOZ, VDGR and WBCSource: FE FundInfo. Retu...Figure 6.3: the relationship between your share broker, the ASX, the shares ...Figure 6.4: my management fee example matrixFigure 6.5: screenshot of an online brokerage accountFigure 6.6: Perpetual Ethical SRI Fund vs benchmarkSource: FE FundInfo. Retu...Figure 6.7: Betashares Australian Sustainability Leaders ETF (A) vs Perpetua...

4 Chapter 7Figure 7.1: my property risk/return spectrumFigure 7.2: 8 steps for buying your first propertyFigure 7.3: a risk matrix for lendingFigure 7.4: how parental guarantee worksFigure 7.5: how a vanilla mortgage worksFigure 7.6: how a mortgage account with a redraw facility worksFigure 7.7: how a mortgage with an offset account works

5 Chapter 8Figure 8.1: how superannuation worksFigure 8.2: making extra contributions to your superannuationFigure 8.3: growth of Australian Super vs Aware SuperSource: FE FundInfo. Re...Figure 8.4: the importance of superannuation in retirement

6 Chapter 9Figure 9.1: three ways to obtain life insurance in AustraliaFigure 9.2: example of stepped vs level premium costsFigure 9.3: private health insurance decision tree

7 AppendixFigure 1: Darwin weekly asking prices for houses (top line) and units (botto...Figure 2: Perth weekly asking prices for houses (top line) and units (bottom...Figure 3: Hobart weekly asking prices for houses (top line) and units (botto...

1 Cover Page

2 Title Page

3 Copyright First published in 2022 by John Wiley & Sons Australia, Ltd 42 McDougall St, Milton Qld 4064 Office also in Melbourne Typeset in FreightText Pro 11pt/15pt © John Wiley & Sons Australia, Ltd 2022 The moral rights of the author have been asserted ISBN: 978-0-730-39650-5 All rights reserved. Except as permitted under the Australian Copyright Act 1968 (for example, a fair dealing for the purposes of study, research, criticism or review), no part of this book may be reproduced, stored in a retrieval system, communicated or transmitted in any form or by any means without prior written permission. All inquiries should be made to the publisher at the address above. Cover design by Jason Knight, creative director of Brand Solved Front cover photo: David James Front cover and internal image (money in the air): © Cammeraydave/ Dreamstime.com p138: Coroner photo: © Elnur/Shutterstock Disclaimer The material in this publication is of the nature of general comment only, and does not represent professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Readers should obtain professional advice where appropriate, before making any such decision. To the maximum extent permitted by law, the author and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based on the information in this publication. This book contains general advice only. It does not contain or replace your own personal financial, taxation, legal or financial product advice.

4 Dedication I wish to acknowledge the Darkinjung people, traditional custodians of the land on which I live and work, and pay respect to their elders past, present and emerging. I wish to extend that respect to all Aboriginal and Torres Strait Islander peoples who may read this book.

5 Table of Contents

6 Introduction

7 Begin Reading

8 where to from here?

9 money myths, hacks, luxury items and digital assets

10 disclosures

11 Index

12 WILEY END USER LICENSE AGREEMENT

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